Financial Technology (FinTech): Karakteristik dan Kualitas Pinjaman pada Peer to Peer Lending di Indonesia

Authors

  • Darman Darman Fakultas Ekonomi dan Bisnis, Universitas Tadulako, Palu

DOI:

https://doi.org/10.12695/jmt.2019.18.2.4

Keywords:

Financial Technology, P2P Lending, Characteristics, Loan Quality, Indonesia

Abstract

Abstrak. Konsep bisnis mengalami perubahan dari konvensional (off-line) ke digital (on-line) untuk memenangkan persaingan, termasuk bisnis di sektor keuangan melalui Financial Technology (FinTech). Penelitian ini bertujuan untuk menganalisis karakteristik dan kualitas pinjaman pada FinTech-Peer to Peer (P2P) Lending di Indonesia. Objek penelitian adalah penyelenggara FinTech-P2P lending sebanyak 72 perusahaan. Alat analisis menggunakan analisis rasio kualitas pinjaman dan trend data bulan Januari - Oktober 2018. Hasil penelitian menemukan bahwa jumlah rekening borrower dan lender meningkat 10,8 kali dan 1,8 kali dibanding tahun sebelumnya. P2P lending menyalurkan dana pinjaman sebesar Rp.15.990.143.141.355 per Oktober 2018, jumlah tersebut tumbuh drastis 5,3 kali dibanding per Januari 2018. Sebagian besar pinjaman dana di P2P lending adalah pinjaman lancar yang pembayarannya dapat dipenuhi tidak lebih dari 30 hari. Rata-rata kualitas pinjaman di P2P lending didominasi oleh pinjaman lancar sebesar 97,09%, sisanya pinjaman tidak lancar (1,90%), dan macet (1,03%) setiap bulannya. Rendahnya non-Performing Loan menunjukkan kualitas transaksi keuangan yang baik dan mengindikasikan prospek baik bagi investor untuk menanamkan modalnya pada FinTech-P2P lending di Indonesia. Keterbatasan penelitian ini adalah menggunakan data bulanan dalam satu periode menjadi bahan analisis. Informasi penelitian ini menjadi bahan pertimbangan bagi masyarakat dalam menggunakan FinTech-P2P Lending untuk pinjaman dana dan berinvestasi.

Kata kunci: Financial technology, P2P lending, karakteristik, kualitas pinjaman, Indonesia


Abstract. The business concept changes from conventional (off-line) to digital (on-line) to win the competition, including businesses in the financial sector through Financial Technology (FinTech). This study aims to analyze the characteristics and quality of loans in FinTech-Peer to Peer (P2P) Lending in Indonesia. The object of the research is the 72 companies of FinTech-P2P lending. The analysis tool uses loan quality ratio analysis and data trends from January to October 2018. The results of the study found that the number of borrower and lender accounts increased 10.8 times and 1.8 times compared to the previous year. P2P lending disburses loan funds amounting to Rp.15,990,143,141,355 as of October 2018, this number has grown dramatically 5.3 times compared to January 2018. Most of the loan funds in P2P lending are current loans with payments for no more than 30 days. The average loan quality in P2P lending is dominated by current loans of 97.09%, the remaining non-current loans (1.90%), and bad loans (1.03%) each month. The low non-Performing Loan shows the quality of good financial transactions and indicates a good prospect for investors to invest in FinTech-P2P lending in Indonesia. The limitation of this study is to use monthly data in one period to be analyzed. This research information is a matter of consideration for the community in using FinTech-P2P Lending to fund loans and invest.

Keywords: Financial technology, P2P lending, characteristics, loan quality, Indonesia

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Author Biography

Darman Darman, Fakultas Ekonomi dan Bisnis, Universitas Tadulako, Palu

Fakultas Ekonomi dan Bisnis Universitas Tadulako

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Submitted

2019-01-28

Accepted

2019-05-22

Published

2019-08-20

How to Cite

Darman, D. (2019). Financial Technology (FinTech): Karakteristik dan Kualitas Pinjaman pada Peer to Peer Lending di Indonesia. Jurnal Manajemen Teknologi, 18(2), 130–137. https://doi.org/10.12695/jmt.2019.18.2.4

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Articles