Electronic Resource
Analysis The Influence Of Fintech Lending User Characteristics On The Loan Quality Of Fintech Lending Companies Registered With OJK
"Objective: : This study aims to analyze the influence of the
relationship between the characteristics of fintech lending
users on the loan quality of fintech lending companies
registered with the Financial Services Authority.
Methods: : This research takes time series data on Fintech Lending in
Indonesia from 2019 – 2022 obtained from the Monthly
Report on the Financial Services Authority (OJK)
website. This type of research uses quantitative methods
with purposive sampling approach and Partial Least
Squares – Structural Equation Modeling (PLS-SEM)
analysis technique using Smart-PLS 3 application.
Result/Findings: : This study shows a positive relationship of payback
period, borrower and negative relationship of age, gender.
However, only the payback period, the loan recipient
alone has a positive and significant effect"
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