Pengaruh Pinjaman P2P terhadap Kredit Perbankan Pada kondisi Literasi TIK (Digital) Rendah-Tinggi
DOI:
https://doi.org/10.58222/jemakbd.v1i2.130Keywords:
Teknologi Informasi dan komunikasi (TIK), Literasi TIK, P2P, BankAbstract
Penelitian ini menguji pengaruh pinjaman peer-to-peer (P2P) terhadap kredit perbankan konvensional pada kondisi literasi teknologi informasi dan komunikasi (TIK) rendah dan tinggi. Penelitian ini menggunakan regresi linear berganda dengan menggunakan data bulanan dari 33 provinsi pada periode Januari-Juli 2022, kecuali provinsi Kalimantan Utara. Hasil pengujian regresi berganda menunjukkan bahwa pinjaman P2P berpengaruh positif signifikan atau merupakan komplementer pada kredit perbankan di Indonesia pada kondisi literasi TIK rendah maupun tinggi. Tingkat koefisien pinjaman P2P lebih besar pada literasi TIK tinggi dibandingkan dengan literasi TIK rendah, hal ini menunjukkan bahwa tingginya literasi TIK mendukung platform P2P untuk dapat berkolaborasi dengan perbankan konvensional dalam menyalurkan kredit kepada masyarakat yang memerlukan pendanaan.
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