Analisis Faktor-Faktor yang Menentukan Keputusan Pemberian Kredit Umkm pada Lembaga Keuangan Mikro Peer to Peer Lending

Abstract

Abstract. The purpose of this research is to examine empirically the impact of commercial Peer to Peer (P2P) lending on the finance of small business ventures. This study that looks at the funding of small business ventures by commercial P2P Lending website; we have collected and created a new data set taken from Koinworks,com and Gandengtangan.org, one of the dominating P2P Lending in Indonesia.The method used is purposive sampling in which the population sampled in this study are 100 small business. This research using Descriptive, Chi-square , Phi/Cramer’s V, Dummy Regression to analyze the factors that driving small business loan approval in P2P Lending.Based on these observations it is known that the P2P Lending depict a new small business venture loan market,where previously underserved early satge entrepreneurs and those looking for smalla amounts are able to access unsecured credit through the relaxation of collateral.

Keywords: Peer to Peer Lending, Small Business,Descriptive,Chi-square, Phi/Cramer’s V, Dummy Regression, Collateral.

Abstrak. Penelitian ini bertujuan untuk menganalisa pengaruh dari lembaga keuangan  mikro Peer to Peer Lending (P2P) terhadap pendanaan UMKM. Studi yang dilakukan dengan menggunakan pembiayaan bisnis yang diajukan melalui website Peer to Peer Lending. Data dalam penelitian ini diperoleh melalui website Koinworks.com dan Gandengtangan.org yang dominan di Indonesia. Metode yang digunakan adalah purposive sampling,sampel yang  digunakan dalam penelitian ini sebanyak 100 UMKM.Penelitianini menggunakan metode deskriptif,chi-square,phi/cramer’s V,dan Regresi Dummy untuk menganalisa faktor- faktor penentu pemberian kredit.Berdasarkan hasil pengamatan ini diketahui bahwa P2P Lending merupakan model pembiayaan baru yang dapat diakses oleh UMKM baik yang bankable dan  tidak membutuhkan collateral.

Kata Kunci: Peer to Peer Lending, UMKM, Deskriptif,Chi-square, Phi/cramer’s V, Regresi dummy,Collateral.