Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
The implementation of fintech: Efficiency of MSMEs loans distribution and users’ financial inclusion index

Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
The implementation of fintech: Efficiency of MSMEs loans distribution and users’ financial inclusion index

Efficiency; Financial inclusion; Financial literacy; Financial technology; MSMEs loan distribution; Peer-to-peer lending

The importance of understanding the efficiency of lending MSMEs through fintech peer-to-peer lending (P2P Lending) and increasing the financial inclusion index of its users (for lenders in particular). We use case studies on the accelerant platform with grounded research methodology for data collection, estimation of technical efficiency and intermediation through Data Envelopment Analysis (DEA). Descriptive analysis is used to investigate the determinants that influence the financial inclusion index of acceleration users. We indicate that technical efficiency has a much
smaller value than the efficiency of intermediation with a strategy required to improve business optimization and steer clear from any conditions of constant to return. In addition, factors considered in the strategy-making are loan period which has a positive effect on the business efficiency and non-performing loans that are not affected by intermediacy efficiency as well as strategies to improve the index of financial inclusion as targeted by the Financial Services Authority through the Strategy National Financial Inclusion. In other words, the index of financial literacy, income level, and index of fintech knowledge have a positive effect on the financial inclusion index.

Feronica Fa Rozalyne Pambudianti, Budi Purwanto, Tubagus Nur Ahmad Maulana

http://jurnal.unmer.ac.id/index.php/jkdp

Universitas Merdeka Malang

January 2020

Sri Wahyuni

ISSN: 2443-2687 (Online) ISSN: 1410-8089 (Print)

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Jurnal Keuangan dan Perbankan Universitas Merdeka Malang