scholarly journals P2P lending as an alternative to bank lending in Ukraine

2016 ◽  
Vol 11 (4) ◽  
pp. 20-30 ◽  
Author(s):  
Alexander Lavryk
Keyword(s):  
Bank Lending ◽  
Jel Classification ◽  
Peer To Peer ◽  
Relevant Today ◽  
Methods Of Evaluation ◽  
Banking Institutions ◽  
P2p Lending ◽  
General Scientific ◽  
Peer Lending

The goal of the article is to consider peer-to-peer lending and its interaction with bank lending that creates an aggregate hybrid lending. The article’s objective is the research of development of P2P lending on the financial market and beyond, which is particularly relevant today. This goal is achieved by using the methods of evaluation and comparative analysis of different principles, which makes it possible to structure the general scientific understanding of P2P lending with the help of statistical methods. The study of the dynamics and structure of peer-to-peer lending in various countries for the period 2005-2016 led to the conclusion that in Ukraine, there is a decline in the share of bank lending in favor of peer-to-peer lending in the total amount of loans with an increasing role of non-bank and hybrid forms of len-ding in ensuring economic growth. Keywords: peer-to-peer lending, banking institutions, credit portfolios of banks, investments, financial intermediaries, financial intermediation. JEL Classification: A1, G21, G24

scholarly journals Penerapan Konsep Utilitarianisme Untuk Mewujudkan Perlindungan Konsumen Yang Berkeadilan Kajian Peraturan Otoritas Jasa Keuangan Nomor: 1/POJK.07/2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan

2019 ◽  
Vol 19 (1) ◽  
pp. 15
Author(s):  
Dwi Edi Wibowo
Keyword(s):  
Consumer Protection ◽  
Financial Services ◽  
Peer To Peer ◽  
Financial Industry ◽  
Fast Process ◽  
Bank Institution ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

Abstrak Peranan internet dalam teknologi informasi telah digunakan untuk mengembangkan industri keuangan  (financial industry)  melalui modifikasi dan efisiensi layanan jasa keuangan yaitu dikenal dengan istilah Financial Technology atau Fintech. Fintech jenis pinjam-miminjam uang berbasis teknologi atau peer to peer lending (P2P-lending) merupakan jenis Fintech yang tumbuh pesat di Indonesia, kelebihan pinjam meminjam uang melalui layanan P2P-lending lainnya adalah syarat yang sangat mudah dan proses yang cepat dibandingkan meminjam uang melalui Lembaga Bank. Namun kemudahan transaksi yang ditawarkan oleh layanan P2P- lending justru memperlemah posisi dari konsumen. Permasalahan Bagaimanakah Penerapan Konsep Utilitarianisme Untuk Mewujudkan Perlindungan Konsumen Fintech. (Financial Technology) Yang Berkeadilan, Tujuan  untuk mengetahui bagaimanakah penerapan konsep utilitarianisme untuk mewujudkan perlindungan kosnumen fintech ( finansial technology yang berkeadilan . Kata kunci : utilitarianisme, perlindungan konsumen, berkeadilan Abstrak The role of the internet in information technology has been used to develop the financial industry through the modification and efficiency of financial services, known as Financial Technology or Fintech. Fintech borrows money based on technology or peer to peer lending (P2P-lending) is a fast-growing type of Fintech in Indonesia, the advantages of lending and borrowing via other P2P-lending services are very easy conditions and a fast process compared to borrowing money through Bank Institution. But the ease of transactions offered by P2P-lending services actually weakens the position of consumers. Problems How to Implement the Utilitarianism Concept to Realize Fintech Consumer Protection. (Financial Technology) that is just, the aim is to find out how the application of the concept of utilitarianism is to realize the protection of fintech consumers (equitable technology finance. Keywords: utilitarianism, consumer protection, justice 

scholarly journals Penanganan TerhadaP Financial Technology Peer-To-Peer lending Ilegal MelaluI OTOrITas Jasa Keuangan (studi Pada OJK Jakarta Pusat)

2020 ◽  
Vol 8 (2) ◽  
pp. 252
Author(s):  
Alifia Salvasani ◽  
Munawar Kholil
Keyword(s):  
Peer To Peer ◽  
Payment System ◽  
Primary Data ◽  
Cyber Crime ◽  
Data Types ◽  
Literature Study ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

<p>abstract<br />This article aims to examine the role of Otoritas Jasa Keuangan (OJK) in handling illegal peer-to-peer  (P2P)  financial  technology  (fintech)  in  Indonesia.  This  role  includes  the handling carried out by the FSA to minimize the number of illegal fintech in Indonesia, both through supervision and arrangements related to illegal fintech. This type of empirical legal research, is descriptive, with primary data types. Literature study and interview data collection techniques, qualitative analysis techniques. Factors causing the rise of illegal fintech are normative and non-normative factors. Then the role of the OJK in making efforts to handle illegal P2P lending includes establishing Satgas Waspada Investasi, listing registered P2P lending and licensed on the official OJK website, socializing to the public about the characteristics of illegal P2P lending that must be avoided and data of illegal P2P lending in Indonesia, closing illegal P2P lending, blocking applications and illegal P2P lending websites on a regular basis, conducting selective checks on P2P lending companies that  propose opening  new  accounts,  applying  special  rules  for  P2P  lending  companies related to the fintech payment system , and submit information reports to the Criminal Investigation Police regarding cyber crime.<br />Keywords: Otoritas Jasa Keuangan; Illegal Fintech; Peer-to-Peer</p><p>abstrak<br />Artikel  ini  bertujuan  untuk  mengkaji  peranan  Otoritas  Jasa  Keuangan  (OJK)  dalam menangani  financial technology (fintech) peer-to-peer (P2P) lending ilegal di Indonesia. Peranan tersebut  meliputi penanganan yang dilakukan OJK untuk meminimalisir jumlah fintech  ilegal  di  Indonesia,  baik  melalui  pengawasan  maupun  pengaturan  terkait  fintech ilegal. Jenis penelitian hukum empiris, bersifat deskriptif, dengan jenis data primer. Teknik pengumpulan data studi kepustakaan dan wawancara, teknik analisis kualitatif. Faktor penyebab tumbuh maraknya fintech ilegal adalah adanya faktor normatif dan non-normatif. Kemudian peranan OJK dalam melakukan upaya penanganan P2P lending ilegal antara lain dengan membentuk Satgas Waspada Investasi, mencantumkan daftar P2P lending yang terdaftar dan berizin di website resmi OJK, mensosialisasikan kepada masyarakat terkait ciri-ciri P2P lending ilegal yang harus dihindari dan data P2P lending ilegal di Indonesia, melakukan penutupan terhadap P2P lending ilegal, pemblokiran aplikasi dan website P2P lending ilegal secara  rutin, melakukan  pemeriksaan  secara selektif bagi perusahaan  P2P lending yang mengajukan pembukaan rekening baru, memberlakukan aturan khusus bagi perusahaan  P2P  lending  terkait  fintech  payment  system,  dan  menyampaikan  laporan informasi kepada Bareskrim Polri terkait tindakan cyber crime.<br />Kata Kunci: Otoritas Jasa Keuangan; Fintech Ilegal; Peer-to-Peer Lending</p>

scholarly journals The Role of Peer to Peer Lending in Increasing Funding for Micro, Small, and Medium Enterprises

2020 ◽  
Vol 76 ◽  
pp. 01031
Author(s):  
Nanik Linawati ◽  
Moeljadi Moeljadi ◽  
Djumahir Djumahir ◽  
Siti Aisjah
Keyword(s):  
Literature Review ◽  
Financial Aid ◽  
Small And Medium Enterprises ◽  
Peer To Peer ◽  
Alternative Funding ◽  
P2p Lending ◽  
Peer Lending ◽  
Medium Enterprises

This study aims to describe the potential of MSMEs in Indonesia and the role of technology in the industrial era 4.0, especially in alternative funding in the form of Peer to Peer (P2P) Lending in providing funding solutions for MSMEs. This study uses a literature review including academic studies on MSME financing in Indonesia by using the results of previous studies and surveys on Indonesian MSME. The development of P2P Lending is the solution for MSMEs with no access to financial aid from banks.

scholarly journals Distrust in Banks and Fintech Participation: The Case of Peer-to-Peer Lending

2020 ◽  
pp. 104225872095802 ◽  
Author(s):  
Ed Saiedi ◽  
Ali Mohammadi ◽  
Anders Broström ◽  
Kourosh Shafi
Keyword(s):  
Peer To Peer ◽  
Us States ◽  
Bank Deposits ◽  
P2p Lending ◽  
Peer Lending

What has boosted crowdfunding’s growth? In the case of peer-to-peer (P2P) lending, we highlight the role of consumers’ distrust in banks. We offer evidence that distrust in banks likely triggers individuals to supply funding toward crowdfunding and away from bank deposits. We highlight that a distrust mindset promotes questioning default choices and considering alternatives, and fosters comparisons focusing on dissimilarities. Our findings suggest US states whose residents express greater distrust in banks are more likely to fund P2P loans and, conditional on funding, lend higher amounts. This relationship is more pronounced when funding small loans or borrowers with less banking access.

PERLINDUNGAN DATA PRIBADI PENERIMA PINJAMAN DALAM TRANSAKSI PINJAM MEMINJAM UANG BERBASIS TEKNOLOGI INFORMASI (PEER TO PEER LENDING)

2021 ◽  
Vol 50 (4) ◽  
pp. 789
Author(s):  
Hendrawan Agusta
Keyword(s):  
Peer To Peer ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

Perkembangan teknologi informasi sangat pesat, adanya kolaborasi antara teknologi informasi dengan berbagai bidang kehidupan melahirkan berbagai macam inovasi yang membuat kehidupan masyarakat semakin mudah. Inovasi di bidang teknologi informasi melahirkan model bisnis baru yang pada gilirannya mampu menghasilkan efisiensi bagi masyarakat. Revolusi teknologi informasi tersebut terus berkembang dan sekarang memasuki bidang keuangan yang regulasinya ketat. Kolaborasi antara teknologi informasi dengan bidang keuangan melahirkan Teknologi Finansial atau Financial Technology (Fintech), salah satunya pinjam-meminjam uang berbasis teknologi informasi (Peer to Peer Lending/P2P Lending). Masyarakat menjadi lebih mudah mengakses kebutuhan keuangannya melalui P2P Lending. Di sisi lain, muncul tantangan dalam P2P Lending mengenai perlindungan data (data pribadi, data transaksi dan data keuangan). Dalam penelitian ini yang akan dibahas hanya data pribadi Penerima Pinjaman, dimana data pribadi tersebut perlu dilindungi agar tidak terjadi penyalahgunaan yang menimbulkan permasalahan hukum

scholarly journals Fintech Based Peer-too-peer (P2P) Lending : A Perspective of MSMEs In the New Normal Era of Pandemic Covid-19

2021 ◽  
Vol 5 (1) ◽  
pp. 26-46
Author(s):  
Tuti Zakiyah
Keyword(s):  
Sampling Method ◽  
Peer To Peer ◽  
Survey Method ◽  
Data Collection Tool ◽  
New Normal ◽  
Central Java ◽  
Inner Model ◽  
P2p Lending ◽  
R Value

The purpose of this research is to find out the role of Fintech Peer to Peer (P2P) lending based on the perception in the new normal era of Covid-19 as a financial inclusion for the recovery of the MSME financial sector. The population of this research is MSMEs in Central Java and East Java Provinces. The survey method was carried out by collecting data using a questionnaire as a data collection tool. In addition, researchers also use purposive sampling method to determine the sample. The analysis hypothesis is used the outer model and EViews 10 for the evaluation of the inner model. The results of this study are that peer to peer  lending together has a significant effect on the interests of MSME actors in East Java in The New Normal Era of the Covid-19, this is also supported by the Adjevtive R value which shows the number 87%.

Trust and Credit: The Role of Appearance in Peer-to-peer Lending

2012 ◽  
Vol 25 (8) ◽  
pp. 2455-2484 ◽  
Author(s):  
Jefferson Duarte ◽  
Stephan Siegel ◽  
Lance Young
Keyword(s):  
Peer To Peer ◽  
Peer Lending
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