Peer-to-Peer Lending Platform: From Substitution to Complementary for Rural Banks

Kohardinata, Cliff; Suhardianto, Novrys; Tjahjadi, Bambang

doi:10.3846/btp.2020.12606

Cited by 11 publications

(9 citation statements)

References 42 publications

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“…In the financial industry, peer-to-peer lending has a largerly complementary role with banks because peer-to-peer lending can cover the market share of risky credit and borrowers who do not have collateral that banks cannot reach ( Milne and Parboteeah, 2016 ; Kohardinata et al., 2020b ). Moreover, banks and peer-to-peer lending can also collaborate in providing loans where banks can act as institutional lenders who channel their loans to potential lenders through peer-to-peer lending platforms ( Kohardinata et al., 2020a ).…”

Section: Discussionmentioning

confidence: 99%

A Bibliometric mapping of peer-to-peer lending research based on economic and business perspective

Kholidah

Hijriah²,

Mawardi³

et al. 2022

Heliyon

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Section: Discussionmentioning

confidence: 99%

A Bibliometric mapping of peer-to-peer lending research based on economic and business perspective

Kholidah

Hijriah²,

Mawardi³

et al. 2022

Heliyon

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“…In this study, data processing with regression will be carried out using a robust standard error. According to Hoechle (2007) the use of robust standard error can overcome the problem of autocorrelation and heteroscedasticity tests on classical assumptions (Kohardinata, et al, 2020). Testing the normality of the data in this study is through the skewness/ kurtosis test.…”

Section: Data Analysis Methodsmentioning

confidence: 99%

Determinant Effect Ot Casa and NPM on Market Ratio of Banks Listed in Idx

Jennifer

Radianto

Kohardinata

2022

BFJ

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Banks are intermediary firms that have an important function in society and countries. Banks’ existence drives the banking industry to increase its financial performance through market ratio growth. This research aims to analyze the influence of CASA and NPM on market ratio for banks listed in the IDX during the period of 2010-2020. The originality of this research is that it focuses on the influence of affordable funds and profitability on market ratio PBV in the banking sector. The research type used is quantitative method with multiple linear regression approach. Sampling techniques used is purposive sampling. The population is 43 banking firms listed in the IDX on December 2020. The sample used is 200 sample data from 21 banks in BUKU II until BUKU IV categories in Indonesia during 11 periods, from 2010-2020. Testing techniques used in this research are descriptive statistics, hypothesis test, and classic assumption test with robust standard error. The research variables consist of a dependent variable (PBV), independent variables (CASA, NPM), control variables (PER, DPR, ROE), and a dummy variable (SOE and private owned). The result of this research is that CASA and NPM have a positive and significant effect on PBV. Hopefully, this research can add consideration for banking management, financial supervisory agencies, investors, and the public about investment making decisions.

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“…Similarly, from the perspective of rural banks, Kohardinata et al found that the growth of P2P lending can replace the credit growth of rural banks in Indonesia. After the cooperation between the Rural Bank Association and FinTech Association in 2019, the substitution effect transformed into a complementary effect [2]. Other scholars believe that P2P lending can provide loans to users whose credit cannot meet the bank loan standards, so they should be used to supplement bank loans.…”

Section: Related Researchmentioning

confidence: 99%

The Impact of Internet Finance on Interest Income and Non-interest Income of Commercial Banks: Empirical Evidence from China

Li¹

2022

Proceedings of the 2022 2nd International Conference on Enterprise Management and Economic Development (ICEMED 2022)

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With the development of the technology, internet finance has become one of the fastest-growing industries in China in recent years. Its business involves lending, savings, payment and investment, which coincided with the main business of banks. In order to study the impact of internet finance on the banking industry, this paper makes an empirical analysis using the data of 115 commercial banks in China from 2011 to 2018 and the data of two primary businesses of internet finance: P2P lending and third-party payments. The monetary funds in the third-party payment platform provides a higher interest rate than the bank account, and has similar security and flexibility, resulting many depositors transferring their deposits to the third-party platform. Compared with bank loans, P2P lending is handled more quickly and has lower collateral requirement, which leads some borrowers turning to use P2P lending platforms. Thus, the banks' credit business was negatively impacted by internet finance, resulting in a decline in the bank's interest income. On the contrary, because the development of internet finance promotes the diversity of financial markets and accelerates the circulation speed of money, internet finance has a positive spill-over effect on the non-interest income of banks. However, the main profit source of Chinese banks is still the spread between the deposit and loans, which leads to the decline of the return on assets of banks despite the positive impact of internet finance on non-interest income of banks.

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Peer-to-Peer Lending Platform: From Substitution to Complementary for Rural Banks

Cited by 11 publications

References 42 publications

A Bibliometric mapping of peer-to-peer lending research based on economic and business perspective

A Bibliometric mapping of peer-to-peer lending research based on economic and business perspective

Determinant Effect Ot Casa and NPM on Market Ratio of Banks Listed in Idx

The Impact of Internet Finance on Interest Income and Non-interest Income of Commercial Banks: Empirical Evidence from China

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