Electronic Resource

Factors Affecting Loan Quality on Sharia Fintech Lending Platforms: A Study Case In Indonesia

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This study aims to see the Factors Affecting Loan Quality on Sharia Fintech Lending in
Indonesia. This research uses a qualitative method of case studies by collecting secondary
data through from OJK. This article looks at the Factors of current loans and non-current
loans starting in early 2021 to 2023 for Sharia FinTech in Indonesia by adopting the multiple
linear regression method and dummy variables to analyze data on more than two free
variables. The estimates show factors for gender, age and domicile in FinTech lending in
Indonesia. Furthermore, gender does not appear to significantly impact the number of loan
recipients or the outstanding loan amount, age and domicile variables have a significant
impact on these factors. Age categories show a positive impact on the number of loan
recipients and the outstanding loan amount. Meanwhile, individuals outside of Java are more
likely to be loan recipients compared to individuals in Java. These findings recommend that
financial services authorities intensively encourage new innovative Sharia FinTech business
models for lending to expand digital financial inclusion by providing financing for people
(P2P) who are not touched by banks.

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Availability

Detail Information

Series Title

Manajemen Bisnis Syariah

Call Number

-

Publisher

Pekanbaru : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)., 2024

Collation

pp. 1034-1048

Language

English

ISBN/ISSN

2715-789X

Classification

NONE

Content Type

-

Media Type

-

Carrier Type

-

Edition

Volume 5(2), 2024 pp. 1034-1048 pp. 1034-1048

Subject(s)

Sharia fintech
Fintech Lending
loan quality
Financial Services Authority (OJK)

Specific Detail Info

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Statement of Responsibility

Wirdhatul Jannah

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