<> <http://www.w3.org/2000/01/rdf-schema#comment> "The repository administrator has not yet configured an RDF license."^^<http://www.w3.org/2001/XMLSchema#string> .
<> <http://xmlns.com/foaf/0.1/primaryTopic> <http://digilib.uin-suka.ac.id/id/eprint/71542> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://purl.org/ontology/bibo/Thesis> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://purl.org/ontology/bibo/Article> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://purl.org/dc/terms/title> "FAKTOR-FAKTOR YANG MEMENGARUHI KREDIT MACET PEER-TO-PEER (P2P) LENDING DI PULAU JAWA DAN SUMATRA"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://purl.org/ontology/bibo/abstract> "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."^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://purl.org/dc/terms/date> "2025-03-19" .
<http://digilib.uin-suka.ac.id/id/document/1004038> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://purl.org/ontology/bibo/Document> .
<http://digilib.uin-suka.ac.id/id/document/1004039> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://purl.org/ontology/bibo/Document> .
<http://digilib.uin-suka.ac.id/id/org/ext-1ea96a2503a70ef7fcbae7670153192b> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://xmlns.com/foaf/0.1/Organization> .
<http://digilib.uin-suka.ac.id/id/org/ext-1ea96a2503a70ef7fcbae7670153192b> <http://xmlns.com/foaf/0.1/name> "UIN SUNAN KALIJAGA YOGYAKARTA"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://purl.org/dc/terms/issuer> <http://digilib.uin-suka.ac.id/id/org/ext-1ea96a2503a70ef7fcbae7670153192b> .
<http://digilib.uin-suka.ac.id/id/org/ext-19494ec503dfa5bfdd42e0d48d9b7513> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://xmlns.com/foaf/0.1/Organization> .
<http://digilib.uin-suka.ac.id/id/org/ext-19494ec503dfa5bfdd42e0d48d9b7513> <http://xmlns.com/foaf/0.1/name> "FAKULTAS EKONOMI DAN BISNIS ISLAM, UIN SUNAN KALIJAGA YOGYAKARTA"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/org/ext-19494ec503dfa5bfdd42e0d48d9b7513> <http://purl.org/dc/terms/isPartOf> <http://digilib.uin-suka.ac.id/id/org/ext-1ea96a2503a70ef7fcbae7670153192b> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://purl.org/dc/terms/issuer> <http://digilib.uin-suka.ac.id/id/org/ext-19494ec503dfa5bfdd42e0d48d9b7513> .
<http://digilib.uin-suka.ac.id/id/org/ext-1ea96a2503a70ef7fcbae7670153192b> <http://purl.org/dc/terms/hasPart> <http://digilib.uin-suka.ac.id/id/org/ext-19494ec503dfa5bfdd42e0d48d9b7513> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://purl.org/ontology/bibo/status> <http://purl.org/ontology/bibo/status/published> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://purl.org/dc/terms/creator> <http://digilib.uin-suka.ac.id/id/person/ext-c1de41f5fde93ce6cca80cecadb66c88> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://purl.org/ontology/bibo/authorList> <http://digilib.uin-suka.ac.id/id/eprint/71542#authors> .
<http://digilib.uin-suka.ac.id/id/eprint/71542#authors> <http://www.w3.org/1999/02/22-rdf-syntax-ns#_1> <http://digilib.uin-suka.ac.id/id/person/ext-c1de41f5fde93ce6cca80cecadb66c88> .
<http://digilib.uin-suka.ac.id/id/person/ext-c1de41f5fde93ce6cca80cecadb66c88> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://xmlns.com/foaf/0.1/Person> .
<http://digilib.uin-suka.ac.id/id/person/ext-c1de41f5fde93ce6cca80cecadb66c88> <http://xmlns.com/foaf/0.1/givenName> "NIM.: 21108020078"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/person/ext-c1de41f5fde93ce6cca80cecadb66c88> <http://xmlns.com/foaf/0.1/familyName> "Zuni Nur Khasanah"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/person/ext-c1de41f5fde93ce6cca80cecadb66c88> <http://xmlns.com/foaf/0.1/name> "NIM.: 21108020078 Zuni Nur Khasanah"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://eprints.org/ontology/EPrint> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://eprints.org/ontology/ThesisEPrint> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://purl.org/dc/terms/isPartOf> <http://digilib.uin-suka.ac.id/id/repository> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://eprints.org/ontology/hasDocument> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/document/1004038> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://eprints.org/ontology/Document> .
<http://digilib.uin-suka.ac.id/id/document/1004038> <http://www.w3.org/2000/01/rdf-schema#label> "FAKTOR-FAKTOR YANG MEMENGARUHI KREDIT MACET PEER-TO-PEER (P2P) LENDING DI PULAU JAWA DAN SUMATRA (Text)"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://purl.org/dc/elements/1.1/hasVersion> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://eprints.org/ontology/hasPublished> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/document/1004038> <http://eprints.org/ontology/hasFile> <https://digilib.uin-suka.ac.id/id/eprint/71542/1/21108020078_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf> .
<http://digilib.uin-suka.ac.id/id/document/1004038> <http://purl.org/dc/terms/hasPart> <https://digilib.uin-suka.ac.id/id/eprint/71542/1/21108020078_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf> .
<https://digilib.uin-suka.ac.id/id/eprint/71542/1/21108020078_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf> <http://www.w3.org/2000/01/rdf-schema#label> "21108020078_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://eprints.org/ontology/hasDocument> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/document/1004039> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://eprints.org/ontology/Document> .
<http://digilib.uin-suka.ac.id/id/document/1004039> <http://www.w3.org/2000/01/rdf-schema#label> "FAKTOR-FAKTOR YANG MEMENGARUHI KREDIT MACET PEER-TO-PEER (P2P) LENDING DI PULAU JAWA DAN SUMATRA (Text)"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://purl.org/dc/elements/1.1/hasVersion> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://eprints.org/ontology/hasPublished> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://eprints.org/ontology/hasDocument> <http://digilib.uin-suka.ac.id/id/document/1004078> .
<http://digilib.uin-suka.ac.id/id/document/1004078> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://eprints.org/ontology/Document> .
<http://digilib.uin-suka.ac.id/id/document/1004078> <http://www.w3.org/2000/01/rdf-schema#label> "FAKTOR-FAKTOR YANG MEMENGARUHI KREDIT MACET PEER-TO-PEER (P2P) LENDING DI PULAU JAWA DAN SUMATRA (Other)"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/document/1004078> <http://eprints.org/relation/isVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/document/1004078> <http://eprints.org/relation/isVolatileVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/document/1004078> <http://eprints.org/relation/islightboxThumbnailVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://eprints.org/ontology/hasDocument> <http://digilib.uin-suka.ac.id/id/document/1004079> .
<http://digilib.uin-suka.ac.id/id/document/1004079> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://eprints.org/ontology/Document> .
<http://digilib.uin-suka.ac.id/id/document/1004079> <http://www.w3.org/2000/01/rdf-schema#label> "FAKTOR-FAKTOR YANG MEMENGARUHI KREDIT MACET PEER-TO-PEER (P2P) LENDING DI PULAU JAWA DAN SUMATRA (Other)"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/document/1004079> <http://eprints.org/relation/isVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/document/1004079> <http://eprints.org/relation/isVolatileVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/document/1004079> <http://eprints.org/relation/ispreviewThumbnailVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://eprints.org/ontology/hasDocument> <http://digilib.uin-suka.ac.id/id/document/1004080> .
<http://digilib.uin-suka.ac.id/id/document/1004080> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://eprints.org/ontology/Document> .
<http://digilib.uin-suka.ac.id/id/document/1004080> <http://www.w3.org/2000/01/rdf-schema#label> "FAKTOR-FAKTOR YANG MEMENGARUHI KREDIT MACET PEER-TO-PEER (P2P) LENDING DI PULAU JAWA DAN SUMATRA (Other)"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/document/1004080> <http://eprints.org/relation/isVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/document/1004080> <http://eprints.org/relation/isVolatileVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/document/1004080> <http://eprints.org/relation/ismediumThumbnailVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://eprints.org/ontology/hasDocument> <http://digilib.uin-suka.ac.id/id/document/1004081> .
<http://digilib.uin-suka.ac.id/id/document/1004081> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://eprints.org/ontology/Document> .
<http://digilib.uin-suka.ac.id/id/document/1004081> <http://www.w3.org/2000/01/rdf-schema#label> "FAKTOR-FAKTOR YANG MEMENGARUHI KREDIT MACET PEER-TO-PEER (P2P) LENDING DI PULAU JAWA DAN SUMATRA (Other)"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/document/1004081> <http://eprints.org/relation/isVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/document/1004081> <http://eprints.org/relation/isVolatileVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/document/1004081> <http://eprints.org/relation/issmallThumbnailVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004039> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://eprints.org/ontology/hasDocument> <http://digilib.uin-suka.ac.id/id/document/1004082> .
<http://digilib.uin-suka.ac.id/id/document/1004082> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://eprints.org/ontology/Document> .
<http://digilib.uin-suka.ac.id/id/document/1004082> <http://www.w3.org/2000/01/rdf-schema#label> "FAKTOR-FAKTOR YANG MEMENGARUHI KREDIT MACET PEER-TO-PEER (P2P) LENDING DI PULAU JAWA DAN SUMATRA (Other)"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/document/1004082> <http://eprints.org/relation/isVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/document/1004082> <http://eprints.org/relation/isVolatileVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/document/1004082> <http://eprints.org/relation/islightboxThumbnailVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/document/1004082> <http://eprints.org/ontology/hasFile> <https://digilib.uin-suka.ac.id/id/eprint/71542/7/lightbox.jpg> .
<http://digilib.uin-suka.ac.id/id/document/1004082> <http://purl.org/dc/terms/hasPart> <https://digilib.uin-suka.ac.id/id/eprint/71542/7/lightbox.jpg> .
<https://digilib.uin-suka.ac.id/id/eprint/71542/7/lightbox.jpg> <http://www.w3.org/2000/01/rdf-schema#label> "lightbox.jpg"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://eprints.org/ontology/hasDocument> <http://digilib.uin-suka.ac.id/id/document/1004083> .
<http://digilib.uin-suka.ac.id/id/document/1004083> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://eprints.org/ontology/Document> .
<http://digilib.uin-suka.ac.id/id/document/1004083> <http://www.w3.org/2000/01/rdf-schema#label> "FAKTOR-FAKTOR YANG MEMENGARUHI KREDIT MACET PEER-TO-PEER (P2P) LENDING DI PULAU JAWA DAN SUMATRA (Other)"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/document/1004083> <http://eprints.org/relation/isVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/document/1004083> <http://eprints.org/relation/isVolatileVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/document/1004083> <http://eprints.org/relation/ispreviewThumbnailVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/document/1004083> <http://eprints.org/ontology/hasFile> <https://digilib.uin-suka.ac.id/id/eprint/71542/8/preview.jpg> .
<http://digilib.uin-suka.ac.id/id/document/1004083> <http://purl.org/dc/terms/hasPart> <https://digilib.uin-suka.ac.id/id/eprint/71542/8/preview.jpg> .
<https://digilib.uin-suka.ac.id/id/eprint/71542/8/preview.jpg> <http://www.w3.org/2000/01/rdf-schema#label> "preview.jpg"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://eprints.org/ontology/hasDocument> <http://digilib.uin-suka.ac.id/id/document/1004084> .
<http://digilib.uin-suka.ac.id/id/document/1004084> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://eprints.org/ontology/Document> .
<http://digilib.uin-suka.ac.id/id/document/1004084> <http://www.w3.org/2000/01/rdf-schema#label> "FAKTOR-FAKTOR YANG MEMENGARUHI KREDIT MACET PEER-TO-PEER (P2P) LENDING DI PULAU JAWA DAN SUMATRA (Other)"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/document/1004084> <http://eprints.org/relation/isVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/document/1004084> <http://eprints.org/relation/isVolatileVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/document/1004084> <http://eprints.org/relation/ismediumThumbnailVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/document/1004084> <http://eprints.org/ontology/hasFile> <https://digilib.uin-suka.ac.id/id/eprint/71542/9/medium.jpg> .
<http://digilib.uin-suka.ac.id/id/document/1004084> <http://purl.org/dc/terms/hasPart> <https://digilib.uin-suka.ac.id/id/eprint/71542/9/medium.jpg> .
<https://digilib.uin-suka.ac.id/id/eprint/71542/9/medium.jpg> <http://www.w3.org/2000/01/rdf-schema#label> "medium.jpg"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://eprints.org/ontology/hasDocument> <http://digilib.uin-suka.ac.id/id/document/1004085> .
<http://digilib.uin-suka.ac.id/id/document/1004085> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://eprints.org/ontology/Document> .
<http://digilib.uin-suka.ac.id/id/document/1004085> <http://www.w3.org/2000/01/rdf-schema#label> "FAKTOR-FAKTOR YANG MEMENGARUHI KREDIT MACET PEER-TO-PEER (P2P) LENDING DI PULAU JAWA DAN SUMATRA (Other)"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/document/1004085> <http://eprints.org/relation/isVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/document/1004085> <http://eprints.org/relation/isVolatileVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/document/1004085> <http://eprints.org/relation/issmallThumbnailVersionOf> <http://digilib.uin-suka.ac.id/id/document/1004038> .
<http://digilib.uin-suka.ac.id/id/document/1004085> <http://eprints.org/ontology/hasFile> <https://digilib.uin-suka.ac.id/id/eprint/71542/10/small.jpg> .
<http://digilib.uin-suka.ac.id/id/document/1004085> <http://purl.org/dc/terms/hasPart> <https://digilib.uin-suka.ac.id/id/eprint/71542/10/small.jpg> .
<https://digilib.uin-suka.ac.id/id/eprint/71542/10/small.jpg> <http://www.w3.org/2000/01/rdf-schema#label> "small.jpg"^^<http://www.w3.org/2001/XMLSchema#string> .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://www.w3.org/2000/01/rdf-schema#seeAlso> <https://digilib.uin-suka.ac.id/id/eprint/71542/> .
<https://digilib.uin-suka.ac.id/id/eprint/71542/> <http://purl.org/dc/elements/1.1/title> "HTML Summary of #71542 \n\nFAKTOR-FAKTOR YANG MEMENGARUHI KREDIT MACET PEER-TO-PEER (P2P) LENDING DI PULAU JAWA DAN SUMATRA\n\n" .
<https://digilib.uin-suka.ac.id/id/eprint/71542/> <http://purl.org/dc/elements/1.1/format> "text/html" .
<https://digilib.uin-suka.ac.id/id/eprint/71542/> <http://xmlns.com/foaf/0.1/primaryTopic> <http://digilib.uin-suka.ac.id/id/eprint/71542> .
<http://digilib.uin-suka.ac.id/id/subject/332.1> <http://www.w3.org/1999/02/22-rdf-syntax-ns#type> <http://www.w3.org/2004/02/skos/core#Concept> .
<http://digilib.uin-suka.ac.id/id/subject/332.1> <http://www.w3.org/2004/02/skos/core#prefLabel> "332.1 Banks/Bank, Perbankan" .
<http://digilib.uin-suka.ac.id/id/eprint/71542> <http://purl.org/dc/terms/subject> <http://digilib.uin-suka.ac.id/id/subject/332.1> .