Deterministic Development Financial Technology in Indonesia


Authors : Zhulby Nhurul Hidayah. N, Abdul Hamid Habbe, Madris

Volume/Issue : Volume 5 - 2020, Issue 2 - February

Google Scholar : https://goo.gl/DF9R4u

Scribd : https://bit.ly/2T0IyhN

The research aimed to examine the impacts of the financial literacy, financial inclusion, and Gross Regional Domestic Product on the financial technology peer to peer lending. The research used the annual secondary data according to the provinces in the forms of the financial literacy index, financial inclusion index, Gross Regional Domestic Product, financial technology peer to peer lending indicators including the lender’s accounts, borrower’s accounts, loan distribution, and borrower’s transactions. The research data were analyzed using the multiple linear regression analysis. The partial test result indicates that the variables of the financial literacy and Gross Regional Domestic Product have the impact on the financial technology peer to peer lending indicator. However, the research result of the financial inclusion variable does not have the positive impact on the financial technology peer to peer lending indicator.

Keywords : Financial literacy, financial inclusion, Gross Regional Domestic Product, lender’s account, borrower’s account, loan distribution, borrower’s transaction, financial technology peer to peer lending.

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