Faktor Yang Mempengaruhi Loan Performance Di Perusahaan Peer-to-Peer Lending

Veny Anindya Puspitasari; Ferdian Chandra

Veny Anindya Puspitasari Ikatan Dosen Pasar Modal Indonesia
Ferdian Chandra Manajemen; Matana University

Abstract

Abstrak: Perkembangan perbankan Peer-to-Peer Lending di Indonesia semakin marak penggunaannya karena bisa mencakup pinjaman pinjaman yang ditolak oleh bank konvensional. Namun pinjaman yang diberikan oleh perusahaan Peer-to-Peer Lending lebih memiliki resiko yang lebih tinggi dari bank konvensional karena peminjam di Peer-to-Peer Lending kadang ditolak oleh bank konvensional karena credit score yang rendah. Penelitian ini bertujuan untuk menganalisis faktor yang mempengaruhi loan performance secara parsial dan simultan. Penelitian mengambil dua objek penelitian yaitu tingkat bunga pinjaman, jangka waktu pinjaman. Penelitian menggunakan analisis regresi linear sederhana dan analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa terdapat perbedaan signifikan tetapi tidak berpengaruh positif jika tingkat bunga pinjaman secara parsial, jangka waktu pinjaman secara parsial, dan tingkat bunga pinjaman dan jangka waktu pinjaman secara simultan terhadap loan performance.

Kata Kunci: Peer-to-peer lending, loan performance, tingkat bunga pinjaman, jangka waktu pinjaman.

Abstract: The development of Peer-to-Peer Lending banking in Indonesia is increasingly being used because it can include loans rejected by conventional banks. However, loans provided by Peer-to-Peer Lending companies have a higher risk than conventional banks because borrowers in Peer-to-Peer Lending are sometimes rejected by conventional banks because of their low credit score. This study aims to analyze the factors that influence loan performance partially and simultaneously. The study took two research objects, namely the loan interest rate, the loan period. This research uses simple linear regression analysis and multiple linear regression analysis. The results showed that there was a significant difference but it had no positive effect if the loan interest rate was partially, the loan period was partially, and the loan interest rate and loan term were simultaneously on loan performance.

Keywords: Peer-to-peer lending, loan performance, loan interest rate, loan period.

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