| Title | GAMBARAN PENGGUNAAN FINANCIAL TECHNOLOGY (FINTECH) DALAM BENTUK PINJAMAN ONLINE (PINJOL) PADA UMKM DI INDONESIA |
|---|---|
| Author | I Made Indra P, Fanny Novika, Antonius Anton Lie, Insri Nuryati |
| Abstract | The use of technological advances in the financial sector is growing rapidly. Technological innovations present a more practical financial transaction process, one of which is applied to online loans. Online lending business practices connect lenders with online lenders. The disbursement of 22 trillion loans from 99 online loan companies registered with the OJK has made 9 million transactions to more than 3 million Indonesians. For this reason, it is necessary to analyze the factors that influence interest in using financial technology in the form of online loans. As one of Indonesia's financial drivers, Micro, Small and Medium Enterprises (MSMEs) play a role in transactions using online loan platforms. This study uses a quantitative approach by conducting an online survey of MSMEs to obtain primary data. The survey results show that 44.41% of SMEs use registered online loans, 18.75% use unregistered loans and 36.84% do not. The majority of businesses are SMEs in the culinary field with 58.88% of the main occupations, 50.99% having high school education and 66.78% living in rural areas. From a psychological point of view, most MSME actors make online loans from self-indulgence and have sufficient perceptions, lack of knowledge and sufficient attitudes. From social factors, most of them are motivated by colleagues who use online loans. Most of the MSME sellers are aged 36-45 years with a monthly net income of less than 5 million. |
| Journal Link | https://ncabet.conferences-binabangsa.org/index.php/home/article/view/2 |
Putri Melati Kresna Dewi | 15 Jun 2021
Karyawan PT Bank Permata yang masih memiliki pinjaman dengan agunan kendaraan bermotor terhadap PT Bank Permata, wajib mengasuransikan kendaraannya kepada asuransi rekanan PT Bank Permata dan diperpan...
Putri Melati Kresna Dewi | 24 Jun 2021
Putri Melati Kresna Dewi | 17 Jun 2021
Every insurance company has a method or process of printing different policies, The policy is printed according to the needs of the insured, the contents of the policy are also adjusted to the product...
Repository Admin | 06 Sep 2021
Puji syukur kami panjatkan kehadirat Allah SWT yang telah
melimpahkan rahmat dan kasih sayang-Nya, sehingga kami dapat menyelesaikan
laporan kegiatan Pengabdian kepada Masyarakat (PkM) ini. Adapun...
Admin | 21 Jun 2021
The lending activities carried out by the Bank are activities that have great potential in providing incomte to the Bank. Of course, in the credit distribution there are risks that might be experience...
Repository Admin | 16 Jun 2021
PT Adonai Reinsurance Brokers (API RE) is a reinsurance broker with strong desire to deliver added value to enable our clients in expanding their underwriting capabilities and in managing their financ...
Repository Admin | 17 Jun 2021
The work practices report discusses the marketing process of property insurance products in PT Asuransi Central Asia branch of Duta Merlin that's ASRI (Asuransi Rumah ldaman). Marketing process is the...
Putri Melati Kresna Dewi | 14 Jun 2021
PT Asuransi BRI Life is a professional insurance business company that provides
excellent service to customers.
The recruitment process at PT Asuransi BRI Life is essential to obtain a good
salespe...
Putri Melati Kresna Dewi | 16 Jun 2021
Putri Melati Kresna Dewi | 15 Jun 2021
Motor vehicle insurance has already well-known by indonesian peaple, especially metropolis society. The amount of motor vehicle is increasing by day. Because it is not balanced with road construction,...
Repository Admin | 25 Aug 2022
Adapun tujuan dilakukan penyuluhan tentang kesadaran keselamatan pengemudi ojek online di Wilayah Bojong Gede Kabupaten Bogor ini adalah: meningkatkan kesadaran akan keselamatan pengemudi ojek online...
Repository Admin | 17 Jan 2023
1. Magang Profesi yang dilaksanakan penulis bertempat pada PT Asuransi Purna Arthanugraha (Aspan) di Divisi Underwriting.
2. Dalam pelaksanaan magang, penulis melaksanakan beberapa bidang pekerjaan,...
Admin | 04 Aug 2021
Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh pendapatan
premi bruto, beban klaim bruto, dan hasil investasi terhadap laba perusahaan
asuransi umum di Indonesia tahun 2007-2016. D...
Admin | 05 Aug 2021
Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh dan kontribusi pendapatan premi neto, beban klaim neto, dan beban operasional terhadap laba bersih perusalaan asuransi jiwa di Indonesi...
Putri Melati Kresna Dewi | 14 Jun 2021
This work practice report regarding the process of issuing surety bond policies conducted at PT Asuransi Tugu Pratama Indonesia Tbk. The policy, Invoice and Administrasion Grup has carried out the pro...
Repository Admin | 22 Jun 2021
The purpose of this research is to determine and examine the effect of
premium income, claims expense, on underwriting results in one of the insurance
companies in Indonesia. The dependent variable...
Admin | 23 Aug 2021
This study aimed to determine motivation, perception, and consumer’s attitude
simultaneously affected to decision of buying for insurance sharia product in
Indonesia especially people in RW 09 Cipin...
Repository Admin | 31 Aug 2021
This study aims to determine there is a relationship between factors knowledge, motivation, and trust that affecting people's decision to buy motor vehicle insurance and shows the most dominant factor...
Admin | 23 Jun 2021
Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis faktor –
faktor yang mempengaruhi hasil underwriting asuransi Jiwa di PT Tugu
Reasuransi Indonesia periode 2012 – 2016. Terdapat d...
Admin | 24 Jun 2021
Penelitian ini bertujuan untuk mengetahui pengaruh pendapatan premi bruto dan
beban klaim bruto terhadap hasil underwriting. Penelitian dilakukan terhadap
perusahaan reasuransi PT. Reasuransi Nasion...