MAYMUNAH, SITI (2022) ANALISIS PENGARUH PERKEMBANGAN TEKNOLOGI INFORMASI, PEER TO PEER LENDING DAN SUKU BUNGA PEER TO PEER LENDING TERHADAP PENINGKATAN SKALA USAHA UMKM (Studi Empiris Pada UMKM di wilayah Tanah Abang, Jakarta Pusat). S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
Micro, Small and Medium Enterprises (MSMEs) contribute around 60% of Indonesia's Gross Domestic Product (GDP). With its strategic role, MSMEs are required to have high competitiveness in order to remain competitive. One way to increase competitiveness is by adopting information technology. The presence of information technology is changing the way in business by providing new opportunities and challenges for the development of MSMEs. In addition, it is difficult to get access to financing because MSME actors are unbankable. For this reason, a Peer-to-Peer (P2P) Loan can be used as an alternative financing that can reach up to disadvantaged, outermost, and outermost (3T) areas in order to easily access services. In line with that, the Financial Services Authority (OJK) has taken quick steps to accommodate the growth of P2P Loans through OJK Regulation Number 77 / POJK.01 / 2016 concerning Information Technology-Based Loan Services. In this study using 99 respondents taken through a purposive sampling method in the Tanah Abang area, Central Jakarta. Data analysis in this study used the Partial Least Square Path Modeling (PLS-SEM) method. The results of this study indicate the development of information technology opposes the increase in MSMEs, while Peer to Peer Lending and Peer to Peer Lending Interest Rates increase towards increasing the scale of MSMEs. Keywords: Information Technology, Peer To Peer Lending, SMEs. Usaha Mikro, Kecil, dan Menengah (UMKM) berkontribusi sekitar 60% terhadap Produk Domestik Bruto Indonesia (PDB). Dengan perannya yang strategis, UMKM diharuskan memiliki daya saing yang tinggi agar tetap bertahan dalam persaingan. Salah satu cara meningkatkan daya saing tersebut adalah dengan adopsi teknologi informasi. Hadirnya teknologi informasi mengubah cara dalam bisnis dengan memberikan peluang dan tantangan baru bagi pengembangan UMKM. Selain itu sulitnya mendapatkan akses dalam pembiayaan karena pelaku UMKM yang unbankable. Untuk itu, Pinjaman Peer-to-Peer (P2P) dapat dijadikan sebagai alternatif pembiayaan yang dapat menjangkau hingga di daerah tertinggal, terdepan, dan terluar (3T) agar mudah mengakses layanan. Sejalan dengan itu, Otoritas Jasa Keuangan (OJK) telah mengambil langkah cepat untuk mengakomodasi pertumbuhan P2P Lending melalui Peraturan OJK Nomor 77 / POJK.01 / 2016 tentang Layanan Pinjaman Berbasis Teknologi Informasi. Dalam penelitian ini menggunakan 99 responden yang diambil melalui metode purposive sampling di wilayah Tanah Abang, Jakarta Pusat. Analisis data dalam penelitian ini menggunakan metode Partial Least Square Path Modeling (PLS-SEM). Hasil penelitian ini menunjukan perkembangan teknologi informasi tidak berpengaruh terhadap peningkatan UMKM, sedangkan Peer to Peer Lending dan Suku Bunga Peer to Peer Lending berpengaruh terhadap peningkatan skala usaka UMKM. Kata Kunci: Teknologi Informasi, Peer To Peer Lending, UMKM
| Item Type: | Thesis (S1) |
|---|---|
| Call Number CD: | FE/AK. 22 171 |
| NIM/NIDN Creators: | 43215120177 |
| Uncontrolled Keywords: | Teknologi Informasi, Peer To Peer Lending, UMKM |
| Subjects: | 500 Natural Science and Mathematics/Ilmu-ilmu Alam dan Matematika > 510 Mathematics/Matematika 500 Natural Science and Mathematics/Ilmu-ilmu Alam dan Matematika > 510 Mathematics/Matematika > 511 General Principles of Mathematics 500 Natural Science and Mathematics/Ilmu-ilmu Alam dan Matematika > 510 Mathematics/Matematika > 511 General Principles of Mathematics > 511.4 Approxiamations and Expansions/Prakiraan dan Ekspansi |
| Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi |
| Depositing User: | ELMO ALHAFIIDH PUTRATAMA |
| Date Deposited: | 21 Oct 2022 02:35 |
| Last Modified: | 21 Oct 2022 02:35 |
| URI: | http://repository.mercubuana.ac.id/id/eprint/70693 |
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