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dc.contributor.authorKohardinata, Cliff
dc.contributor.authorSuhardianto, Novrys
dc.contributor.authorTjahjadi, Bambang
dc.date.accessioned2021-09-15T03:30:45Z
dc.date.available2021-09-15T03:30:45Z
dc.date.issued2020
dc.identifier.issn1648-0627
dc.identifier.urihttp://dspace.uc.ac.id/handle/123456789/3542
dc.description.abstractThis study aims to examine the impact of the growth of peer-to-peer (P2P) lending on the growth of rural bank lending. Further, this study investigates the outcome of the partnership agreement between the Rural Bank Association and Financial Technology (FinTech) Association in the last quarter of 2017 on the effect of P2P lending on rural bank lending by analyzing the impact separately in 2018 and 2019. The publicly available data from the Financial Services Authority and Bank of Indonesia were examined using panel data regression. The results show that P2P lending’s growth is a substitute for the growth of the rural bank loan in 2018. However, the partnership between the Rural Bank Association and FinTech Association changed the effect of substitution into complementary in 2019. Moreover, the impact of P2P lending was more prominent in provinces with a higher number of rural banks and regions with lower economic growth. The restricted number of publicly available data becomes the limitation of this study to obtain the best results.en_US
dc.publisherBusiness: Theory and Practiceen_US
dc.subjectbankingen_US
dc.subjectrural banken_US
dc.subjectFinTechen_US
dc.subjectP2P lendingen_US
dc.subjectsubstitutionen_US
dc.subjectcomplementaryen_US
dc.titlePeer-to-Peer lending platform: from substitution to complementary for rural banksen_US
dc.typeArticleen_US


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