Determinan Gagal Bayar Peer-to-Peer Lending Bukti Empiris dari Jawa Barat dengan Pendekatan ARDL

Meysa Mariela Faradyas Zahra; Ladi Wajuba Perdini Fisabilillah

doi:10.26740/independent.v6i1.76372

Penulis

Meysa Mariela Faradyas Zahra Universitas Negeri Surabaya
Ladi Wajuba Perdini Fisabilillah Universitas Negeri Surabaya

DOI:

https://doi.org/10.26740/independent.v6i1.76372

Kata Kunci:

Peer to Peer Lending, Gagal Bayar, Loans, Pengangguran, Inflasi, ARDL

Abstrak

Penelitian ini bertujuan menganalisis determinan gagal bayar P2P lending di Provinsi Jawa Barat menggunakan variabel outstanding loan, jumlah borrower, tingkat pengangguran, dan inflasi. Pendekatan yang digunakan adalah Autoregressive Distributed Lag (ARDL) untuk menguji hubungan jangka pendek dan jangka panjang antar variabel. Hasil penelitian menunjukkan bahwa dalam jangka panjang outstanding loan, pengangguran, dan inflasi berpengaruh positif signifikan terhadap gagal bayar, sedangkan jumlah borrower berpengaruh negatif signifikan. Dalam jangka pendek, dinamika gagal bayar menunjukkan pola yang relatif konsisten dengan hubungan jangka panjang. Temuan ini menegaskan bahwa risiko gagal bayar P2P lending dipengaruhi oleh kombinasi ekspansi pembiayaan dan kondisi makroekonomi regional. Oleh karena itu, penguatan manajemen risiko dan pengawasan terhadap pertumbuhan pinjaman menjadi penting untuk menjaga stabilitas pembiayaan digital.

Unduhan

Data unduhan belum tersedia.

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