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FAKTOR-FAKTOR YANG MEMENGARUHI KREDIT MACET PEER-TO-PEER (P2P) LENDING DI PULAU JAWA DAN SUMATRA
The development of peer-to-peer lending has brought major changes to the financial system, but bad debts are a major challenge. This study aims to analyze the factors that influence bad debts of peer-to-peer lending in Java and Sumatra with variables of loan amount, loan purpose, male and female debtors. This study uses the ARDL method and secondary data from OJK for the period 2021-2024. The results show that the amount of the loan has no significant effect, while other variables have an effect on bad debts. These findings can help peer-to-peer lending companies, regulators and lenders in mitigating credit risk.
FAKULTAS EKONOMI DAN BISNIS ISLAM, UIN SUNAN KALIJAGA YOGYAKARTA
FAKTOR-FAKTOR YANG MEMENGARUHI KREDIT MACET PEER-TO-PEER (P2P) LENDING DI PULAU JAWA DAN SUMATRA (Text)
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