CAUSE AND EFFECT ANALYSIS PENYALURAN KREDIT P2P LENDING PADA UMKM DI INDONESIA

Alyta Shabrina Zusryn

Abstract


Pertumbuhan ekonomi nasional dipengaruhi oleh berkembangnya Usaha Mikro, Kecil, dan Menengah (UMKM). P2P Lending merupakan salah satu bentuk solusi pembiayaan berbasiskan teknologi bagi UMKM. Tujuan pada penelitian ini adalah menganalisis sebab dan dampak penyaluran kredit P2P lending pada UMKM. Analisis data pada penelitian ini menggunakan content analysis. Selain itu, pada penelitian ini melibatkan diagram “fishbone” untuk mendeskripsikan sebab dan dampak pada penyaluran kredit P2P lending. Hasil pada penelitian ini menunjukkan bahwa faktor-faktor yang menyebabkan lambatnya perkembangan kredit P2P lending pada UMKM di Indonesia adanya adanya risiko gagal bayar tinggi pada kredit P2P lending, masih banyak pelaku usaha yang unbankable, masih kurangnya kepercayaan investor, kurangnya kesiapan regulasi, dan kurangnya sosialisasi terkait lembaga penjaminan kredit. Oleh karena itu, solusi pada permasalahan tersebut adalah pembentukan kelompok peminjam dan adanya sistem simpanan rutin untuk membantu jika ada peserta yang gagal bayar. Selain itu diperlukan koordinasi antar lembaga pemerintahan dalam mempersiapkan regulasi terkait keamanan kegiatan bisnis P2P lending dan kerahasiaan data baik pada investor maupun peminjam.

Keywords


P2P Lending; risiko kredit; UMKM; perlindungan investor

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DOI: https://doi.org/10.33476/jobs.v1i2.1689

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