Abstract
The financial sector has undergone a substantial paradigm shift as a consequence of the COVID-19 pandemic prompting industries actively innovate their financing method. Utilizing ARDL, our analysis reveals intriguing insights into the interaction of financing determinants interruptions caused by the epidemic, and the P2P lending success. The long-term effects of economic conditions alluding to the significant influence of investment size across various industrial sectors. The industrial differences suggest interesting connections between the size of investments, and loan tenure to the P2P lending in different industries. The wholesale and retail trade sector demonstrates intricate reactions to changes in investment size, while manufacturing sector impacted by BLR. Conversely, the susceptibility of the agriculture sector to exogenous shocks presents a captivating narrative for the investigation. Our study provides significant contributions to the complex domain of P2P lending in the context of global disruptions.
Bahasa Abstract
Sektor keuangan telah mengalami perubahan paradigma yang signifikan sebagai konsekuensi dari pandemi COVID-19 yang mendorong industri untuk secara aktif melakukan inovasi dalam metode pembiayaannya. Dengan memanfaatkan ARDL, analisis kami mengungkap wawasan menarik mengenai interaksi interupsi faktor-faktor penentu pembiayaan yang disebabkan oleh epidemi, dan keberhasilan pinjaman P2P. Dampak jangka panjang dari kondisi perekonomian mengacu pada pengaruh signifikan besaran investasi di berbagai sektor industri. Perbedaan industri menunjukkan hubungan yang menarik antara ukuran investasi, dan jangka waktu pinjaman terhadap pinjaman P2P di berbagai industri. Sektor perdagangan besar dan eceran menunjukkan reaksi rumit terhadap perubahan besaran investasi, sementara sektor manufaktur terkena dampak BLR. Sebaliknya, kerentanan sektor pertanian terhadap guncangan eksogen memberikan narasi yang menarik untuk diteliti. Studi kami memberikan kontribusi yang signifikan terhadap domain kompleks pinjaman P2P dalam konteks disrupsi global.
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Recommended Citation
Ramdhan, Nur 'Asyiqin; Bujang, Imbarine; Muhamat, Amirul Afif; and Lisdiono, Purwatiningsih
(2025)
"Examining the Industrial Impact of Fintech Lending in the Post-Next Normal Era,"
Indonesian Capital Market Review: Vol. 17:
No.
1, Article 1.
DOI: 10.7454/icmr.v17i1.1205
Available at:
https://scholarhub.ui.ac.id/icmr/vol17/iss1/1