Innovative Collaboration Models for Financial Growth

Abstract

This study explores the strategic collaboration between Rural Banks (Bank Perkreditan Rakyat) and Peer-to-Peer (P2P) lending platforms, with a focus on ANS Group BPR in Indonesia. It aims to bridge the gap between traditional banking services and modern fintech solutions to enhance financial inclusion. Using qualitative analysis, including PESTEL, Porter's Five Forces, and VRIO frameworks, the study identifies potential collaboration schemes and evaluates their financial viability through Discounted Cash Flow (DCF) valuation. The findings reveal that channeling funds from P2P lending to Rural Banks could maximize equity value for banks with high capital adequacy ratios, while the reverse is beneficial for banks with limited capital adequacy. The study concludes that strategic collaboration between these sectors can significantly enhance financial inclusion and service delivery, overcoming challenges related to technology adoption and regulatory limitations.

Keywords: Rural bank, P2P lending, collaboration, financial technology