Pengaruh Digital skill dan Literasi Keuangan terhadap Penyaluran Pinjaman P2P di luar Pulau Jawa

Authors

  • Cliff Kohardinata Universitas Ciputra, Surabaya, Indonesia
  • Luky Patricia Widianingsih Universitas Ciputra, Surabaya, Indonesia
  • Maria Asumpta Evi Marlina Universitas Ciputra, Surabaya, Indonesia
  • Anastasia Filiana Ismawati Universitas Ciputra, Surabaya, Indonesia
  • Ni Made Gianti Universitas Ciputra, Surabaya, Indonesia

DOI:

https://doi.org/10.31004/jptam.v7i1.5825

Keywords:

Digital Skill, Literasi Keuangan, Pinjaman P2P

Abstract

Salah satu alternatif pendanaan untuk membantu perekonomian yang kurang merata dapat dilakukan melalui pinjaman P2P. Penelitian ini bertujuan untuk memperoleh bukti empiris mengenai pengaruh digital skill dan literasi digital terhadap penyaluran pinjaman P2P di luar Pulau Jawa. Pengujian secara empiris yang dilakukan pada penelitian ini dengan menggunakan regresi linier berganda. Data yang digunakan oleh peneliti merupakan data-data dari provinsi-provinsi di luar pulau Jawa sebanyak 293 pengamatan dari 26 provinsi dari bulan Januari hingga Desember 2022. Hasil penelitian menunjukkan bahwa digital skill yang merupakan bagian dari literasi digital serta literasi keuangan berpengaruh signifikan negatif terhadap penyaluran pinjaman P2P di luar Pulau Jawa. Temuan lain dalam penelitian ini menunjukkan semakin banyak akun pinjaman P2P, maka semakin tinggi penyaluran pinjaman menggunakan platform tersebut. Diharapkan pada penyedia platform P2P dapat memberikan edukasi kepada masyarakat mengenai manfaat penggunaan pinjaman P2P.

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Published

01-04-2023

How to Cite

Kohardinata, C. ., Widianingsih, L. P. ., Evi Marlina, M. A. ., Ismawati, A. F. ., & Gianti, N. M. . (2023). Pengaruh Digital skill dan Literasi Keuangan terhadap Penyaluran Pinjaman P2P di luar Pulau Jawa. Jurnal Pendidikan Tambusai, 7(1), 3800–3805. https://doi.org/10.31004/jptam.v7i1.5825

Issue

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

Section

Articles of Research

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