ANALISIS PENGARUH PEER TO PEER LENDING, LAMA USAHA DAN PAYMENT BERBASIS FINTECH TERHADAP PENDAPATAN UMKM

HILMAWAN, SEPTIAN (2020) ANALISIS PENGARUH PEER TO PEER LENDING, LAMA USAHA DAN PAYMENT BERBASIS FINTECH TERHADAP PENDAPATAN UMKM. S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

The aim of this research is to analyze the influence of loans through the fintech system, namely peer to peer lending (P2P Lending), length of business and e-payment on UMKM income in Cengkareng Timur Village, West Jakarta. This study uses primary data by distributing questionnaires to a number of SMEs registered in Cengkareng Timur Village, West Jakarta. This study uses a causal research design with a quantitative approach. The basis for selecting these samples is the convenience sampling method, with the sample size determined using SEM (Structural Equation Model) analysis of 110 samples. The results of this study indicate that capital loans through the P2P Lending system have no effect on income, while the length of business and e-payment have a positive and significant effect on income. Keywords: Fintech, peer to peer lending, business duration, e-payment, micro, small and medium size of company (SMEs) Tujuan dari penelitian ini adalah untuk menganalisis pengaruh dari pinjaman melalui sistem fintech yaitu peer to peer lending (P2P Lending), lama usaha dan e-payment terhadap pendapatan UMKM di Kelurahan Cengkareng Timur, Jakarta Barat. Penelitian ini menggunakan data primer dengan cara menyebarkan kuesioner ke beberapa pelaku UMKM yang terdaftar di Kelurahan Cengkareng Timur, Jakarta Barat. Penelitian ini menggunakan desain penelitian kausal dengan pendekatan kuantitatif. Dasar pemilihan sampel ini menggunakan metode convenience sampling dengan ukuran sampel ditentukan menggunakan analisis SEM (Structural Equation Model) yaitu sebanyak 110 sampel. Hasil penelitian ini menunjukkan bahwa pinjaman modal melalui sistem P2P Lending tidak berpengaruh terhadap pendapatan, sedangkan lama usaha dan e-payment berpengaruh positif dan signifikan terhadap pendapatan. Kata kunci: Fintech, peer to peer lending, lama usaha, e-payment, usaha mikro kecil dan menengah (UMKM)

Item Type: Thesis (S1)
Call Number CD: FE/AK. 20 322
Call Number: SE/32/21/169
NIM/NIDN Creators: 43216110068
Uncontrolled Keywords: Fintech, peer to peer lending, lama usaha, e-payment, usaha mikro kecil dan menengah (UMKM)
Subjects: 100 Philosophy and Psychology/Filsafat dan Psikologi > 150 Psychology/Psikologi > 154 Subconscious and Altered States and Process/Psikologi Bawah Sadar > 154.6 Sleep Phenomena/Fenomena Tidur > 154.63 Dreams/Mimpi > 154.634 Analysis/Analisis
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 339 Macroeconomics and Related Topics/Makroekonomi, Ekonomi Makro dan Topik Terkait > 339.2 Distribution of Income and Wealth/Distribusi Pendapatan dan Kekayaan
600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 658 General Management/Manajemen Umum > 658.01-658.09 [Management of Enterprises of Specific Sizes, Scopes, Forms; Data Processing]/[Pengelolaan Usaha dengan Ukuran, Lingkup, Bentuk Tertentu; Pengolahan Data] > 658.02 Management of Enterprises of Specific Sizes and Scopes/Pengelolaan Usaha dengan Ukuran dan Lingkup Tertentu > 658.022 Small Enterprises/Usaha Kecil
800 Literatures/Kesusastraan > 800. Literatures/Kesusastraan > 801 Philosophy and Theory of Literatures/Filsafat dan Teori Kesusastraan > 801.3 Value, Influence, Effect/Nilai, Pengaruh, Efek
Divisions: Fakultas Ekonomi dan Bisnis > Akuntansi
Depositing User: Rifky
Date Deposited: 29 May 2022 15:12
Last Modified: 12 Jul 2022 04:03
URI: http://repository.mercubuana.ac.id/id/eprint/54357

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