Pengaruh Literasi Teknologi Informasi dan Komunikasi (TIK) terhadap Pinjaman P2P di Indonesia

Authors

  • Cliff Kohardinata Program Studi Akuntansi, Universitas Ciputra Surabaya , Indonesia
  • Yopy Junianto Program Studi Akuntansi, Universitas Ciputra Surabaya , Indonesia
  • Luky Patricia Widianingsih Program Studi Akuntansi, Universitas Ciputra Surabaya , Indonesia
  • Jevan Andreas Talahaturusun Program Studi Akuntansi, Universitas Ciputra Surabaya , Indonesia

DOI:

https://doi.org/10.31004/jptam.v7i1.5628

Keywords:

Literasi TIK, P2P, Perbankan, Teknologi Informasi dan Komunikasi (TIK)

Abstract

Penelitian ini bertujuan untuk memperoleh hasil pengujian secara empiris mengenai pengaruh literasi TIK terhadap pinjaman peer-to-peer (P2P) di Indonesia. Pengujian yang dilakukan pada penelitian ini menggunakan pendekatan regresi linier berganda dengan menggunakan data bulanan dari periode Januari hingga Juli 2022 pada 33 provinsi di Indonesia, penelitian ini tidak melibatkan provinsi Kalimantan Utara yang disebabkan karena keterbatasan data yang tersedia. Hasil pengujian menunjukkan bahwa literasi TIK (Digital) berpengaruh signifikan positif terhadap pinjaman P2P, dan variabel kontrol kredit perbankan berpengaruh signifikan positif terhadap pinjaman P2P. Hasil penelitian ini menunjukkan pentingnya literasi TIK atau digital untuk dapat memperluas produk-produk berbasis Financial Technology (FinTech).

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Published

09-03-2023

How to Cite

Kohardinata, C. ., Junianto, Y., Widianingsih, L. P. ., & Talahaturusun, J. A. . (2023). Pengaruh Literasi Teknologi Informasi dan Komunikasi (TIK) terhadap Pinjaman P2P di Indonesia. Jurnal Pendidikan Tambusai, 7(1), 2689–2695. https://doi.org/10.31004/jptam.v7i1.5628

Issue

Vol. 7 No. 1 (2023): April 2023

Section

Articles of Research

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