| dc.contributor.author | Kohardinata, Cliff | |
| dc.contributor.author | Widianingsih, Luky Patricia | |
| dc.date.accessioned | 2024-02-22T09:27:22Z | |
| dc.date.available | 2024-02-22T09:27:22Z | |
| dc.date.issued | 2023 | |
| dc.identifier.issn | 2723-3804 | |
| dc.identifier.uri | https://dspace.uc.ac.id/handle/123456789/7214 | |
| dc.description.abstract | The main objective of this study is to obtain empirical evidence
on the role of peer-to-peer (P2P) lending mediation in bridging
the relationship between banking third-party funds and bank
credit in provinces with fewer branch offices or limited banking
services. The test used is path analysis involving 33 provinces in
Indonesia from January to July 2022. The main results of this
study show that third-party funds in provinces with fewer
banking branch offices do not affect bank credit, but P2P lending
can mediate the relationship between banking third-party funds
and bank credit in provinces with fewer banking branch offices.
The additional results of this study indicate that third-party
banking funds in provinces with more bank branch offices
positively affect bank credit. The novelty of this research is that
the researchers introduced the P2P lending mediating variable
based on financial technology (FinTech) as a solution for
provinces with limited access and exposure to banking to bridge
the distribution of third-party funds to debtors, thereby
increasing financial inclusion | en_US |
| dc.publisher | Faculty of Business, Universitas Katolik Widya Mandala Surabaya | en_US |
| dc.subject | Peer-to-peer Lending | en_US |
| dc.subject | Third-party funds | en_US |
| dc.subject | Banking credit | en_US |
| dc.subject | Financial Inclusion | en_US |
| dc.subject | FinTech | en_US |
| dc.title | DO WE NEED P2P BETWEEN BANK THIRD-PARTY FUNDS AND BANK CREDIT? | en_US |
| dc.type | Article | en_US |
