DO WE NEED P2P BETWEEN BANK THIRD PARTY FUNDS AND BANK CREDIT?

IF 4.6 Q2 MATERIALS SCIENCE, BIOMATERIALS

ACS Applied Bio Materials Pub Date : 2023-01-01 DOI:10.33508/rima.v6i1.4654

Cliff Kohardinata, LukyPatricia Widianingsih.

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Abstract

The main objective of this study is to obtain empirical evidence on the role of peer-to-peer (P2P) lending mediation in bridging the relationship between banking third party funds and bank credit in provinces with fewer branch offices or limited banking services. The test used is path analysis involving 33 provinces in Indonesia in the period from January to July 2022. The main results of this study show that third party funds in provinces with fewer banking branch offices have no effect on bank credit, but P2P lending can mediate the relationship between banking third party funds and bank credit in provinces with fewer banking branch offices. The additional results of this study indicate that banking third party funds in provinces with a greater number of bank branch offices have a positive effect on bank credit. The novelty of this research is that the researchers introduced the P2P lending mediating variable based on financial technology (FinTech) as a solution for provinces with limited access and exposure to banking to be able to bridge the distribution of third-party funds to debtors, thereby increase financial inclusion.

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我们需要银行第三方资金和银行信贷之间的p2p吗?

本研究的主要目的是获得经验证据，证明在分行较少或银行服务有限的省份，P2P借贷中介在弥合银行第三方资金与银行信贷之间关系中的作用。使用的测试是路径分析，涉及印度尼西亚33个省份在2022年1月至7月期间。本研究的主要结果表明，在银行网点较少的省份，第三方资金对银行信贷没有影响，而P2P借贷可以中介银行网点较少省份的银行第三方资金与银行信贷之间的关系。本研究的其他结果表明，在银行分支机构较多的省份，银行第三方资金对银行信贷有积极的影响。这项研究的新颖之处在于，研究人员引入了基于金融技术(FinTech)的P2P借贷中介变量，作为一种解决方案，用于访问和接触银行业务有限的省份，以便能够将第三方资金分配给债务人，从而增加金融包容性。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

ACS Applied Bio Materials Chemistry-Chemistry (all)

CiteScore

9.40

自引率

2.10%

发文量

464