Navigating the Digital Landscape Spatially: Assessing P2P Lending Influence on Banking Performance and Risk in Indonesia
Research on the influence of digital finance on banking performance and risk is relevant, given the disparity development of the financial sector in Indonesia. The research method used a quantitative approach with data from the Financial Services Authority (OJK). Data processing employed Arellano Bo...
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| Format: | Article |
| Language: | Indonesian |
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Universitas 17 Agustus 1945 (UNTAG) Semarang
2025-01-01
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| Series: | Media Ekonomi dan Manajemen |
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| Online Access: | https://jurnal.untagsmg.ac.id/index.php/fe/article/view/5345 |
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| author | Fitri Susilowati Suryanto Suryanto |
| author_facet | Fitri Susilowati Suryanto Suryanto |
| author_sort | Fitri Susilowati |
| collection | DOAJ |
| description | Research on the influence of digital finance on banking performance and risk is relevant, given the disparity development of the financial sector in Indonesia. The research method used a quantitative approach with data from the Financial Services Authority (OJK). Data processing employed Arellano Bond's two-step dynamic panel regression analysis (GMM), as the available data range was 2020-2022. The research conclusion asserts that banking performance has decreased due to the influence of Peer-to-Peer (P2P) lending. This research has also established that the influence of P2P presence on banking in Java did not differ from that observed outside of Java. The investigation of the influence of P2P lending on banking risk revealed no discernible effect. When researchers attempted to compare the disparities in the influence of P2P lending on risk, they discovered no differences between Java Island and outside Java Island. It implies that government policies encouraging financial institutions' development with digital platforms do not cause banking performance to decline. As such, stricter regulations on P2P lending are necessary to mitigate the risk of bad credit. |
| format | Article |
| id | doaj-art-8254c32e36394bfdbe810251cde79875 |
| institution | Kabale University |
| issn | 0854-1442 2503-4464 |
| language | Indonesian |
| publishDate | 2025-01-01 |
| publisher | Universitas 17 Agustus 1945 (UNTAG) Semarang |
| record_format | Article |
| series | Media Ekonomi dan Manajemen |
| spelling | doaj-art-8254c32e36394bfdbe810251cde798752025-01-20T07:46:15ZindUniversitas 17 Agustus 1945 (UNTAG) SemarangMedia Ekonomi dan Manajemen0854-14422503-44642025-01-0140110012010.56444/mem.v40i1.53452000Navigating the Digital Landscape Spatially: Assessing P2P Lending Influence on Banking Performance and Risk in IndonesiaFitri Susilowati0Suryanto Suryanto1Universitas PGRI YogyakartaUniversitas Sebelas Maret SurakartaResearch on the influence of digital finance on banking performance and risk is relevant, given the disparity development of the financial sector in Indonesia. The research method used a quantitative approach with data from the Financial Services Authority (OJK). Data processing employed Arellano Bond's two-step dynamic panel regression analysis (GMM), as the available data range was 2020-2022. The research conclusion asserts that banking performance has decreased due to the influence of Peer-to-Peer (P2P) lending. This research has also established that the influence of P2P presence on banking in Java did not differ from that observed outside of Java. The investigation of the influence of P2P lending on banking risk revealed no discernible effect. When researchers attempted to compare the disparities in the influence of P2P lending on risk, they discovered no differences between Java Island and outside Java Island. It implies that government policies encouraging financial institutions' development with digital platforms do not cause banking performance to decline. As such, stricter regulations on P2P lending are necessary to mitigate the risk of bad credit.https://jurnal.untagsmg.ac.id/index.php/fe/article/view/5345performance, risk, p2p lending, spatial |
| spellingShingle | Fitri Susilowati Suryanto Suryanto Navigating the Digital Landscape Spatially: Assessing P2P Lending Influence on Banking Performance and Risk in Indonesia Media Ekonomi dan Manajemen performance, risk, p2p lending, spatial |
| title | Navigating the Digital Landscape Spatially: Assessing P2P Lending Influence on Banking Performance and Risk in Indonesia |
| title_full | Navigating the Digital Landscape Spatially: Assessing P2P Lending Influence on Banking Performance and Risk in Indonesia |
| title_fullStr | Navigating the Digital Landscape Spatially: Assessing P2P Lending Influence on Banking Performance and Risk in Indonesia |
| title_full_unstemmed | Navigating the Digital Landscape Spatially: Assessing P2P Lending Influence on Banking Performance and Risk in Indonesia |
| title_short | Navigating the Digital Landscape Spatially: Assessing P2P Lending Influence on Banking Performance and Risk in Indonesia |
| title_sort | navigating the digital landscape spatially assessing p2p lending influence on banking performance and risk in indonesia |
| topic | performance, risk, p2p lending, spatial |
| url | https://jurnal.untagsmg.ac.id/index.php/fe/article/view/5345 |
| work_keys_str_mv | AT fitrisusilowati navigatingthedigitallandscapespatiallyassessingp2plendinginfluenceonbankingperformanceandriskinindonesia AT suryantosuryanto navigatingthedigitallandscapespatiallyassessingp2plendinginfluenceonbankingperformanceandriskinindonesia |