Pengaruh Regulasi Dan Kolaborasi Terhadap Literasi Keuangan Dalam Upaya Penerapan Financial Technology Pada Usaha Kecil Dan Menengah

Herdinata, Christian; Kohardinata, Cliff

doi:10.33086/bfj.v4i2.1358

Cited by 10 publications

(13 citation statements)

References 5 publications

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“…We will also divide the analysis to before and during covid-19 pandemic because we believe the pandemic has brought many changes that require its own analysis (Andini, 2017) According to (Zhang et al, 2019) in their study claimed that in China, as P2P getting bigger, it had a negative effect on domestic bank loans. Almost similarly, (Herdinata & Kohardinata, 2019) found that the growth of P2P in Indonesia has a significant impact on bank loans for the MSME segment. However, given the current pandemic situations, not many studies have been conducted about the impact of P2P especially on small bank loans, which is the type of bank that will be the first to feel the disruption in performance, if any (Yudaruddin, 2010).…”

Section: Introductionmentioning

confidence: 84%

P2p Lending: Complement or Substitute to Small Bank

Tamara

Furinto

Hakim

et al. 2021

SLJIL

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Rapid P2P lending growth in Indonesia is expected to bring new opportunities as well as risk to the traditional financial sector. Meanwhile, covid-19 pandemic have also brought many changes to the financial landscapes. In this current pandemic situations, not many studies have been conducted about the impact of P2P especially on small bank loans, which is the type of bank that will be the first to feel the disruption in performance, if any, as well as comparing the impact between pre pandemic and during the pandemic period. Thus, this paper aims to analyze and compare the effect of P2P lending growth on the growth of small bank loans, which consists of 56 banks as of June 2021, both before (January 2019-March 2020) and during the pandemic (April 2020-June 2021). We believe focusing the research on small banks is important because these are the incumbent players in the financial sector that are expected to be the most impacted by the arrival of the P2P lending business and the pandemic situation. This research used the quantitative approach. The analysis was carried out in stages using monthly secondary panel data obtained from OJK and BPS with multiple regression analysis. The variables we used are small bank loan growth as the dependent variable, and P2P loan growth, inflation, and money supply as the dependent variables. First we analyzed the data before the pandemic, then we analyzed after the pandemic data and compared both results. Results of this study showed that P2P lending did not have a significant impact on small bank's ability to disburse loans before the pandemic. However, our subsequent analysis regarding data during the pandemic showed that P2P lending has a significant positive impact on small bank loans growth, and gave evidence of P2P complementary effect to small banks. Both results suggest that initially before the pandemic P2P main customer is the unbanked population that cannot have access to banks, then when the pandemic occurs, borrowers that have access to small banks also consider to use P2P as their additional financing source.

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Section: Introductionmentioning

confidence: 84%

P2p Lending: Complement or Substitute to Small Bank

Tamara

Furinto

Hakim

et al. 2021

SLJIL

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“…The main challenge in designing financial innovations is to create superior products that can be accepted and seamlessly integrated into users' everyday payment system habits without altering their routines (Herdinata & Kohardinata, 2019). Financial technology has transformed how society conducts financial transactions, reducing high capital and operational costs.…”

Section: Wwwjournalmabisorg 108mentioning

confidence: 99%

Determinants of investment decisions: The mediating role of financial technology

Pebriyanti,

Ratnasari,

Parlina

2024

MABIS

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This research aimed to examine and assess the mediating function of financial technology in shaping the connection between financial literacy and investment choices. The research's participants were selected from Generation Z individuals who had invested in the capital or the money market in Cirebon. The data collection method employed accidental sampling, with 160 respondents receiving an online and offline questionnaire. For this research, the researchers utilized inner and outer models with the assistance of the SmartPLS 4.0 software program. The findings from the research indicate that financial literacy has no impact on investment choices, financial literacy also affects financial technology, financial technology affects investment decisions, and financial technology can function as a mediator in the association between financial literacy and investment choices. The results indicate that both the utilization of financial technology and an enhanced comprehension of financial literacy contribute to the effectiveness of the investment decision-making process. A future research agenda is put forward to investigate additional variables that may help bridge gaps in prior research, such as financial inclusion and income, which impact investment decisions.

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“…The entire number of organizational shares held in financial institutions in the form of institutions is known as institutional ownership (Herdinata & Pranatasari, 2019). These organizations include banks, insurance businesses, and investment companies (Ulandari, 2017).…”

Section: Literature Reviewmentioning

confidence: 99%

The Impact of Good Corporate Governance on Financial Distress in Transportation Sector Companies in Indonesia

Patriandari,

Rianto,

Ristianti

2023

Quant. Econ. Manag. Stud.

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This study aims to determine the influence of the Board of Directors, Institutional Ownership, and Managerial Ownership on Financial Distress in Transportation Subsector Companies Listed on the Indonesia Stock Exchange for the 2018-2020 Period. This study used a sample of 29 companies from the Transportation Subsector for 3 periods using the purposive sampling method. The independent variables in this study are the board of directors as measured by calculating the number of members of the board of directors in the relevant year period, institutional ownership as measured by dividing the number of shares held institutionally by the number of shares outstanding, and managerial ownership measured by dividing the number of shares held by management by the number of shares outstanding. Meanwhile, the dependent variable in this study is financial distress as measured by the altman z-score method. The results of this study show that: (1) The board of directors has no effect on the occurrence of financial distress. (2) Institutional ownership negatively affects the occurrence of financial distress. (3) Managerial ownership negatively affects the occurrence of financial distress.

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Pengaruh Regulasi Dan Kolaborasi Terhadap Literasi Keuangan Dalam Upaya Penerapan Financial Technology Pada Usaha Kecil Dan Menengah

Cited by 10 publications

References 5 publications

P2p Lending: Complement or Substitute to Small Bank

P2p Lending: Complement or Substitute to Small Bank

Determinants of investment decisions: The mediating role of financial technology

The Impact of Good Corporate Governance on Financial Distress in Transportation Sector Companies in Indonesia

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