Analisis Profil Penggunaan Layanan Peer-to-peer Lending Pada UKM di Kota Salatiga
DOI:
https://doi.org/10.37641/jimkes.v8i3.343Keywords:
P2P lending, SMEs, Fulfillment of obligationsAbstract
The COVID-19 pandemic in Indonesia has inflicted an inevitable income drop to many businesses, including Small Medium Enterprise (SME). In order to continue running their operational activities and keep fulfilling its obligations, some SMEs started to use P2P lending services as one of its capital sources. The purpose of this study is to portray the profile of P2P lending user, especially in Salatiga. This research is conducted by using qualitative research methodology with descriptive approach. Some SMEs believe that P2P lending can provide them with support in fulfilling their obligations. But in the other hand, there are others which argue that the services provided by P2P lending are inefficient and ineffective in fulfilling their business obligations.
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References
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Andini, G. (2017). Faktor-Faktor yang Menentukan Keputusan Pemberian Kredit Usaha Mikro Kecil dan Menengah (UMKM) pada Lembaga Keuangan Mikro Peer to Peer Lending. Jurnal Ekonomi Dan Bisnis Universitas Islam Negeri Syarif Hidayatullah. https://doi.org/10.1017/CBO9781107415324.004
Bachmann, A., Funk, B., Becker, A., Buerckner, D., Hilker, M., Kock, F., … Tiburtius, P. (2011). Online Peer-to-Peer Lending - A Literature Review. Journal of Internet Banking and Commerce, 16(2), 1–21.
COVID-19 Deployment. (2020). Retrieved from https://news.google.com/covid19/map?hl=en-ID&mid=%2Fm%2F02bd41&gl=ID&ceid=ID%3Aen
Hidayah, N., & Muntiah, N. S. (2019). Persepsi Pelaku UKM Terhadap Laporan Keuangan Berdasarkan Standar Akuntansi Keuangan Entitas Tanpa Akuntanbilitas Publik (SAK ETAP). Jurnal Akuntansi Indonesia Universitas Muhammadiyah Ponorogo, 8(1), 39–55.
Mukhtar, D. F. (2018). Analisis Pendanaan Modal Umkm Melalui Financial Technology Peer To Peer Lending ( P2P ). Jurnal Ilmu Dan Riset Akuntansi Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya, 8(5).
Munawir, S. (2010). Analisis Laporan Keuangan. Yogyakarta : Liberty.
Novita, B. A., & Sofie. (2015). Pengaruh Struktur Modal dan Likuiditas terhadap Profitabilitas. E-Journal Akuntansi Trisakti, 2(1), 13–28.
Pakpahan, A. K. (2020). Covid-19 Dan Implikasi Bagi Usaha Mikro, Kecil, Dan Menengah. Jurnal Ilmiah Hubungan Internasional Universitas Katolik Parahyangan, 0(0), 59–64. https://doi.org/10.26593/jihi.v0i0.3870.59-64
Purnama, S. (2019). KEIN Minta Perbankan Memudahkan Akses Likuiditas UMKM. (n.d.). Retrieved from https://www.antaranews.com/berita/1013326/kein-minta-perbankan-memudahkan-akses-likuiditas-umkm
Rinaldi, B. (2020). Peer-to-Peer (P2P) Lending, Alternatif Pembiayaan UMKM di Saat Krisis. Retrieved from https://www.ukmindonesia.id/baca-artikel/273
Rizal, M., Maulina, E., & Kostini, N. (2018). Fintech Sebagai Salah Satu Solusi Pembiayaan Bagi UMKM. Jurnal Pemikiran Dan Penelitian Administrasi Bisnis Dan Kewirausahaan Universitas Padjadjaran, 3(2), 89–100.
Rosavina, M., Rahadi, R. A., Kitri, M. L., Nuraeni, S., & Mayangsari, L. (2019). P2P lending adoption by SMEs in Indonesia. Qualitative Research in Financial Markets, 11(2), 260–279. https://doi.org/10.1108/QRFM-09-2018-0103
Rumondang, A. (2018). The Utilization of Fintech (P2P Landing) as SME’s Capital Solution in Indonesia: Perspective in Islamic Economics (Qirad). International Conference of Moslem Society Trisakti University, 2, 12–22. https://doi.org/10.24090/icms.2018.1818
Subramanyam, K. R. (2014). Financial Statement Analysis, Eleventh Edition. Published by McGraw-Hill Education. https://doi.org/10.1017/CBO9781107415324.004
Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif dan R&D. 1(4), 53.
Sukmaningsih, D. W. (2018). A Model for Lender-Borrower Trust in Peer-To-Peer Lending. ComTech: Computer, Mathematics and Engineering Applications Binus University, 9(1), 15. https://doi.org/10.21512/comtech.v9i1.4287
Walfajri, M. (2019). AFPI: Sebanyak 60% peminjam fintech berasal dari sektor UMKM. (n.d.). Retrieved from Kontan.co.id website: https://keuangan.kontan.co.id/news/afpi-sebanyak-60-peminjam-fintech-berasal-dari-sektor-umkm
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Published
2020-12-05
How to Cite
Kristianti, I. (2020). Analisis Profil Penggunaan Layanan Peer-to-peer Lending Pada UKM di Kota Salatiga. Jurnal Ilmiah Manajemen Kesatuan, 8(3), 205–212. https://doi.org/10.37641/jimkes.v8i3.343
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