The Effect Of Fintech Peer To Peer Lending And Digital Payment System (E-Money) On Indonesia's Economic Growth
Penelitian ini bertujuan untuk mengetahui pengaruh peer to peer lending dan e-money terhadap pertumbuhan ekonomi Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan menggunakan data time series triwulanan tahun 2018 sampai 2021 berupa laju pertumbuhan ekonomi Indonesia, penyaluran pinjaman melalui peer to peer lending, dan nilai transaksi e-money. Teknik analisis menggunakan regresi linier berganda dengan model Ordinary Least Square. Hasil penelitian menunjukkan bahwa variabel peer to peer lending memiliki pengaruh positif terhadap pertumbuhan ekonomi Indonesia. Sedangkan variabel e-money memiliki pengaruh negatif terhadap pertumbuhan ekonomi Indonesia. Sementara itu, melalui pengujian simultan didapatkan hasil bahwa variabel peer to peer lending dan e-money secara bersama-sama berpengaruh terhadap pertumbuhan ekonomi Indonesia dengan pengaruh sebesar 0,374951 atau 37%. Hasil tersebut menunjukkan bahwa dengan berkembang pesatnya peer to peer lending dengan diiringi oleh perkembangan e-money akan membawa dampak positif bagi pertumbuhan ekonomi Indonesia.
This study aims to determine the effect of peer to peer lending and e-money on Indonesia's economic growth. This study uses a quantitative approach using quarterly time series data from 2018 to 2021 in the form of Indonesia's economic growth rate, loan distribution through peer to peer lending, and e-money transaction values. The analysis technique uses multiple linear regression with the Ordinary Least Square model. The results of the study show that the peer to peer lending variable has a positive influence on Indonesia's economic growth. Meanwhile, the e-money variable has a negative influence on Indonesia's economic growth. Meanwhile, through simultaneous testing, it was found that peer to peer lending and e-money variables jointly affect Indonesia's economic growth with an effect of 0.374951 or 37%. These results indicate that the rapid development of peer to peer lending accompanied by the development of e-money will have a positive impact on Indonesia's economic growth.