Financial Technology dan Kredit Bank Umum Konvensional di Indonesia

Sahdan Saputra; Stevany Hanalyna Dethan; Ridha Nurul Hayati; Baiq Rabiatu Adawiyah Kartika Wulan

doi:10.30812/target.v4i2.2650

Sahdan Saputra Universitas Bumigora
Stevany Hanalyna Dethan Universitas Bumigora
Ridha Nurul Hayati Universitas Bumigora
Baiq Rabiatu Adawiyah Kartika Wulan Universitas Bumigora

DOI: https://doi.org/10.30812/target.v4i2.2650

Keywords: fintech, kredit bank, p2p lending, pertumbuhan perusahaan fintech

Abstract

This study analyzes the impact of FinTech on the number of conventional commercial bank loans in Indonesia. This study used a sample of 40 conventional commercial banks in Indonesia listed on the Indonesia Stock Exchange for the 2016-2021 period. The number of observations in the study was 240. FinTech is measured using P2P Lending and FinTech companies are measured using the growth period of FinTech companies. The results of the research based on the regression test using the Fixed effects model, this study proves that P2P lending and the growth of FinTech companies have a positive and significant effect on the amount of lending to Conventional Commercial Banks in Indonesia. This means that the greater the P2P lending disbursed by FinTech companies and the higher the growth of FinTech companies, it will have an impact on increasing the number of conventional commercial bank loans in Indonesia. One of the important variables not examined in this study is payments made online. Therefore, further research can expand research with the same theme by presenting online payment variables.

References

Adhinegara, B. Y., Huda, N., & Farras, I. Al. (2018). Peran Fintech Lending Dalam Ekonomi Indonesia. Institute for Development for Economics and Finance (INDEF),.
Bank Indonesia. (2018). Mengenal Financial Teknologi. Bank Central Indonesia. https://www.bi.go.id/id/edukasi/Pages/mengenal-Financial-Teknologi.aspx
BI. (2017). Financial Stability Review: Mitigating Systemic Risk and Strengthening Intermediation to Maintain Financial System Stability.
Chen, Z., Li, K., & He, L. (2019). Has Internet Finance Decreased the Profitability of Commercial Banks ?: Evidence from China. Emerging Markets Finance and Trade.
Christensen, C. M. (1997). The Innovator’s Dilemma : When New Technologies Cause Great Firms to Fail. Harvard Business School Press.
FSB. (2017). Financial Stability Implications from FinTech Supervisory and Regulatory Issues that Merit Authorities ’ Attention (Issue June).
Fung, D. W. H., Yan, W., Yeh, J. J. H., & Lung, F. (2020). Friend or foe : The divergent effects of FinTech on financial stability. Emerging Markets Review.
Garvey, K. (2017). Cultivating growth The 2nd Asia Pacific Region Alternative Finance Industry Report. Cambridge Centre For Alternative Finance.
Hsueh, S. (2017). Effective Matching for P2P Lending by Mining Strong Association Rules. Proceedings of the 3rd International Conference on Industrial and Business Engineering.
Koch, P. G. J., & Siering, M. (2017). Digital Finance and FinTech : current research and future research directions. Journal of Business Economics, 87(5), 537–580.
Navaretti, G. B., Calzolari, G., & Pozzolo, A. F. (2017). Fintechand Banking. Friends Orfoes? European Economy: Banks, Regulation, and the Real Sector.
OJK. (2020). Mobile Banking, Kinerja dan Stabilitas Keuangan: Studi Empiris di Perbankan Indonesia. Buletin Riset Kebijakan Perbankan, 2(1).
Phan, D., Narayan, P. K., Rahman, R. E., & Hutabarat, A. R. (2019). Do financial technology firms influence bank performance? Pacific-Basin Finance Journal.
Syachfuddin, L. A., & Rosyidi, S. (2017). Pengaruh Faktor Makroekonomi, Dana Pihak Ketiga Dan Pangsa Pembiayaan Terhadap Profitabilitas Industri Perbankan Syariah Di Indonesia Tahun 2011-2015. Jurnal Ekonomi Syariah Teori Dan Terapan.
Tang, H. (2019). Peer-to-peer lenders versus banks: substitutes or complements? The Review of Financial Studies.
Wijaya, C. (2020). The Effect Of Peer-To-Peer Lending And Third-Party Payments On Conventional Commercial Bank Profitability In Indonesia. International Journal of Management (IJM), 11(5), 691–701.