scholarly journals Tingkat Wanprestasi 90 Peer to Peer Lending Selama Pandemi COVID-19 di Indonesia

2021 ◽  
Vol 14 (1) ◽  
pp. 31-39
Author(s):  
Risna Kartika ◽  
Mochamad Febri Sayidil Umam
Keyword(s):  
Peer To Peer ◽  
T Test ◽  
Paired Sample ◽  
Peer Lending

Fenomoena dalam penelitian ini terkait dengan adanya pandemi COVID-19 yang mulai melanda Indonesia pada Maret 2020 yang berdampak pada berbagai sektor, selain kesehatan, ekonomi merupakan salah satu sektor yang terdampak paling besar dengan kontraksi ekonomi di tahun 2020 sebesar 2,07% dibandingkan tahun sebelumnya. Selama pandemi COVID-19 diketahui penyaluran kredit peer to peer lending di Indonesia sangat fluktuatif. Tujuan dari penelitian ini ialah untuk mengetahui perbandingan antara TWP90 peer to peer lending sebelum dan pada saat terjadi pandemi COVID-19. Metode penelitian yang digunakan ialah deskriptif kuantitatif dengan teknik analisis data paired sample t test. Berdasarkan hasil penelitian diketahui bahwa TWP90 peer to peer lending sebelum dan pada saat pandemi COVID-19 berbeda secara signifikan. Kontribusi dalam penelitian ini dapat memberikan informasi bahwa meskipun pada saat terjadinya pandemi COVID-19, peer to peer lending masih tetap bertahan dan unggul dalam industri IKNB, presentase TWP90 yang memang naik namun tetap didominasi oleh TKB90, sehingga masyarakat tetap dapat berinvestasi dan menggunakan platform ini dengan aman, nyaman dan memberikan prospek yang baik.

scholarly journals Pengaruh Payment Gateway dan Peer to Peer Lending (P2P) terhadap Peningkatan Pendapatan di Kota Palembang

2020 ◽  
Vol 11 (1) ◽  
pp. 63
Author(s):  
Endah Dewi Purnamasari
Keyword(s):  
Financial Services ◽  
Peer To Peer ◽  
T Test ◽  
Test Reliability ◽  
Primary Data ◽  
Coefficient Of Determination ◽  
Purposive Sampling ◽  
Analysis Technique ◽  
Peer Lending ◽  
Payment Gateway

<div class="page" title="Page 1"><div class="layoutArea"><div class="column"><p><span>ABSTRACT</span></p><p><span>Fintech is an innovation that has emerged in the field of financial services. Fintech changed the habits of public financial transactions. There are 2 types of fintech that are very popular for SMEs, namely Payment Gateway and Peer to Peer Lending (P2P). This study aims to analyze the effect of Payment Gateway and Peer to Peer Lending (P2P) on the increase in MSME income in the city of Palembang. The type of data used is primary data with data sources derived from questionnaires and interviews. The sampling method used in this study is purposive sampling, where the sample in this study is only for the types of MSMEs that are engaged in culinary and fashion in Pakembang. The analysis technique uses validity test, reliability test, normality test, coefficient of determination test (R2) and partial test (t test). Based on the results of the t test and the f test it can be concluded that there is an influence of Payment Gateway and Peer to Peer Lending (P2P) to increase revenue.</span></p><p><span>Keywords: </span><span>Fintech, Revenue, SME</span></p><p><span>ABSTRAK</span></p><p><span>Fintech merupakan inovasi yang muncul di bidang jasa keuangan. Fintech mengubah kebiasaan transaksi keuangan masyarakat. Ada 2 jenis fintech yang sangat popular bagi pelaku UMKM yaitu Payment Gateway dan Peer to Peer Lending (P2P). Penelitian ini bertujuan untuk menganalisis pengaruh Payment Gateway dan Peer to Peer Lending (P2P) terhadap peningkatan pendapatan UMKM di kota Palembang. Jenis data yang digunakan adalah data primer dengan sumber data berasal dari kuisioner dan wawancara. Metode penarikan sampel yang digunakan pada penelitian ini yaitu purposive sampling, di mana sampel pada penelitian ini hanya pada jenis UMKM yang bergerak di bidang kuliner dan fashion di Kota Pakembang. Teknik analisis menggunakan uji validitas, uji reliabilitas, uji normalitas, uji koefisien determinasi (R</span><span>2</span><span>) dan uji parsial (uji t). Berdasarkan hasil uji t dan uji f dapat disimpulkan bahwa terdapat pengaruh Payment Gateway dan Peer to Peer Lending (P2P) terhadap peningkatan pendapatan.</span></p></div></div><img src="blob:http://ejournal.uigm.ac.id/ea46f45e-78f8-4282-80f3-03240d33a989" alt="page1image60066624" width="89.760000" height="0.480000" /><div class="layoutArea"><div class="column"><p><span>Kata Kunci: </span><span>Fintech, Peningkatan Pendapatan, UMKM</span></p></div></div></div>

scholarly journals The Impact of Peer-to-Peer (P2P) Lending on Business Development of Small and Medium-Sized Enterprises

2021 ◽  
Vol 5 (2) ◽  
pp. 201
Author(s):  
Rindah Febriana Suryawati ◽  
Duhita Paramaramya Putri Nurdana
Keyword(s):  
Financial Institution ◽  
Peer To Peer ◽  
T Test ◽  
Least Square ◽  
Significant Difference ◽  
Before And After ◽  
P2p Lending ◽  
Peer Lending ◽  
The Impact ◽  
Paired T Test

The problem faced by most micro-entrepreneurs in Indonesia is financing business. Peer-to-peer (P2P) lending is a non-bank financial institution that can be an alternative source of financing because of the requirements and easy application usage. This study aims to analyze the impact of peer-to-peer lending on business expenses, business turnover, total employment, total sales of products, and profits before and after obtaining a peer-to-peer lending loan and analyze factors affecting the increase in business turnover after getting a loan through peer-to-peer lending. The methods used in this study include the descriptive analysis method, paired t-test, and ordinary least square (OLS). The paired t-test results indicate that there is a significant difference between business expenses, business turnover, the amount of labor, the number of product sales, and profit before and after obtaining a peer-to-peer lending loan. The result of analysis with the OLS method shows that the length of business and expenditure of the business has a significant effect on the development of respondents' business turnover.

scholarly journals The Influence Of Investment Knowledge On The Interest Of Students Investing In Peer To Peer Lending Shariah

2020 ◽  
Vol 7 (2) ◽  
pp. 20-33
Author(s):  
Muhammad Doddy ◽  
Zahrotul Millah
Keyword(s):  
Research Method ◽  
Qualitative Data ◽  
Negative Relationship ◽  
Peer To Peer ◽  
T Test ◽  
Investment Model ◽  
Test Results ◽  
Sufficient Knowledge ◽  
Risk Of Failure ◽  
Peer Lending

Peer to peer lending is an investment model that is developing in various countries, including Indonesia. This investment model has many advantages in terms of effectiveness so that it can make it easier for users to apply it. Moreover, peer to peer lending investment in Indonesia has a financing target for MSMEs so that this investment model can help finance in the microeconomic cycle. The convenience provided by the peer to peer lending investment model should be an attraction for people who are just starting investment such as students. Before investing, potential investors should have sufficient knowledge about investing in order to avoid the risk of failure that causes losses. This study aims to determine the effect of investment knowledge on the interests of STEI SEBI students investing peer to peer lending. The research method used is a quantitative mixture that is supported by qualitative data and data processed using SPSS ver. 23. The results of this study indicate that the T-test results of -0.200 and the significance value of 0.842. So it can be concluded that investment knowledge does not have a significant effect on students' interest in investing peer to peer lending. The results of the study are supported by data from interview results, which show that negative relationship results are not significant because one of them is theoretically not so influential if there is no its applicative science.

THE EFFECT OF COMIC STRIPS ON SECONDARY EFL STUDENTS’ READING COMPREHENSION AND WRITING ABILITY

2018 ◽  
Vol 2 (2) ◽  
pp. 43-57
Author(s):  
M. Ridhwan ◽  
Muhammad Taufik Ihsan ◽  
Naskah Naskah
Keyword(s):  
Reading Comprehension ◽  
Hypothesis Testing ◽  
Null Hypothesis ◽  
Test Group ◽  
T Test ◽  
Comic Strips ◽  
Writing Ability ◽  
Paired Sample ◽  
And Control ◽  
Test Treatment

The purpose of this study was to investigate the significant effect of using comic strips strategy toward students’ reading comprehension and writing ability at MTsN 1 Pekanbaru. A Quasi-Experimental by Non-equivalent Pre-test and Post-test Group was applied as a designed for study. The sample was two classes (VIII 3 and VIII 4) consisting 20 students of treatment class, and 20 students of control class. The data were computed using SPPS 20.0 to analyze Independent sample t-test and Paired sample t-test. The finding of this study revealed that there was a significant effect on students’ reading comprehension by using comic strips strategy, it shown on paired sample t-test; treatment class was 77 and control class was 64.5, the hypothesis testing showed the result of post T-test -7.149, then score of sig.(2-tailed) is 0.000, if we act to null hypothesis (Ho) that is 0.05, it means that the score of sig.(2-tailed) was smaller than score of Ho. The data also revealed that there was a significant effect on students’ writing ability, it shown on paired sample t-test; treatment class was 79.6 and control class was 54.2, the hypothesis testing showed the result of post T-test -21.9, then score of sig.(2-tailed) is 0.000, if we act to null hypothesis (Ho) that is 0.05, it means that the score of sig.(2-tailed) was smaller than score of Ho. Therefore, the null hypothesis was rejected and the alternative hypothesis was accepted. From those data it can be summarized that there is a significant effect of using comic strips strategy on students’ reading comprehension and writing ability.

Friendship in Online Peer-to-Peer Lending: Pipes, Prisms, and Relational Herding

MIS Quarterly ◽  
2015 ◽  
Vol 39 (3) ◽  
pp. 729-742 ◽  
Author(s):  
De Liu ◽  
◽  
Daniel J. Brass ◽  
Yong Lu ◽  
Dongyu Chen ◽  
...  
Keyword(s):  
Peer To Peer ◽  
Peer Lending

THE EFFECT OF ONLINE VIDEO BLOG ON STUDENTS’ ACHIEVEMENT OF PASSIVE VOICE IN 4J OPERATION KENDARI

2020 ◽  
Vol 5 (2) ◽  
pp. 125
Author(s):  
Raden Alifian Setiawan ◽  
Hanna Hanna ◽  
Alberth Alberth
Keyword(s):  
Data Analysis ◽  
Real World ◽  
T Test ◽  
Test Design ◽  
Online Video ◽  
Test Results ◽  
Multiple Choice Questions ◽  
Passive Voice ◽  
Paired Sample ◽  
Post Test

The use of videos in education makes it possible to overcome practical real-world constraints and explore far greater possibilities provided by digital spaces, especially for the video uploaded in online platform such as blog. This study examines whether online video blog as media have a significant effect on students’ achievement of passive voice. It used pre-experimental (one group pre-test and post-test) design. The samples of this study were 10 students at 4J Operation. A pre-test and post-test were conducted by using multiple choice questions as the instruments. Data analysis was through paired-sample t-test. Results showed that there was an increase in mean score of pre-test (49,1) and post-test (63,5). Data from Paired Sample t-test showed that Sig. (2-tailed) was 0.000 which was smaller than .05 which means that there was significance difference in mean score after employing treatment.

Pengaruh Membaca Al-Qur’an Terhadap Kecemasan Pada Lanjut Usia Di Panti Sosial Tresna Werdha (PSTW) Khusnul Khotimah Pekanbaru

2019 ◽  
Vol 8 (1) ◽  
pp. 49-53
Author(s):  
Angga Arfina ◽  
Yureya Nita ◽  
Khairiyati Khairiyati
Keyword(s):  
Random Sampling ◽  
Rating Scale ◽  
Simple Random Sampling ◽  
T Test ◽  
P Value ◽  
Probability Sampling ◽  
Paired Sample ◽  
Hamilton Anxiety Rating Scale ◽  
Rating Scale Data ◽  
Scale Data

Lanjut usia (lansia) merupakan tahap akhir perkembangan pada daur kehidupan manusia yang telah mencapai usia lebih dari 60 tahun. Pada lansia terjadi proses degeneratif yang akan berdampak terjadinya perubahan-perubahan diri manusia. Perubahan yang terjadi pada lansia mengakibatkan berbagai masalah yang kompleks baik secara fisik maupun psikologis. Kecemasan merupakan salah satu respon yang paling dini dan sering muncul pada lanjut usia. Selain dengan farmakologis, kecemasan juga dapat ditangani secara non farmakologis salah satunya dengan membaca Al-Qur’an. Penelitian ini bertujuan mengetahui pengaruh membaca Al-Qur’an terhadap kecemasan pada lansia di Panti Sosial Tresna Werdha (PSTW) Khusnul Khotimah Pekanbaru. Desain penelitian adalah quasy eksperiment dengan metode penelitian one group pretest & posttest. Sampel penelitian adalah lansia berjumlah 42 orang menggunakan metode probability sampling dengan teknik simple random sampling. Pengumpulan data dilakukan dengan lembar observasi untuk membaca Al-Qur’an dan penilaian kecemasan dengan Hamilton Anxiety Rating  Scale. Data dianalisis secara statistik deskriptif dan Paired Sample T Test. Hasil penelitian menunjukkan bahwa ada pengaruh membaca Al-Qur’an dengan kecemasan pada lanjut usia dengan p value 0.002 < 0.05. Penelitian ini diharapkan dapat meningkatkan asuhan keperawatan gerontik sehingga membaca Al-Qur’an dapat dijadikan salah satu intervensi dalam meningkatkan spiritualitas serta menurunkan kecemasan pada lansia.

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