Analisa Faktor-Faktor Keputusan Kredit dan Potensi Gagal Bayar Pada Platform Peer To Peer Lending

Larasati, Edwina and Christya Rahayu, Heffi and Safitri, Julia (2025) Analisa Faktor-Faktor Keputusan Kredit dan Potensi Gagal Bayar Pada Platform Peer To Peer Lending. Analisa Faktor-Faktor Keputusan Kredit dan Potensi Gagal Bayar Pada Platform Peer To Peer Lending, 4 (9). pp. 2854-2868. ISSN 2798-5210

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Abstract

This study aims to analyzefactors influencing credit decisions and default risks on peer-to-peer (P2P) lending platforms in Indonesia. Using a quantitative approach and SEM-PLS method, the research involved employees from PT Mattel Indonesia as respondents. The findings indicate that financial literacy significantly impacts default risks, where individuals with better financial literacy tend to avoid risky credit behavior. Additionally, sociodemographic factors such as age, income, and gender influence credit decisions, while financial self-efficacy enhances responsible credit management. However, financial literacy was found to have no significant direct effect on credit decisions. These findings highlight the importance of financial literacy as a safeguard against risky credit behavior and the need for financial education policies to enhance individuals' decision-making capabilities. The study recommends strategies to improve financial literacy and strengthen financial self-efficacy to mitigate default risks on P2P lending platformsKeywords:financial literacy, financial self-efficacy, sociodemographic factors

Item Type:	Article
Subjects:	Dewey decimal Classification Subject Areas > 300 Ilmu Sosial > 330 - 339 Ilmu Ekonomi > 332.3 Credit and Loan Institutions/Lembaga Perkreditan
Divisions:	Fakultas Ekonomi > Program Studi Manajemen
Depositing User:	Dr. Heffi Christya Rahayu, SE., M.Si.
Date Deposited:	02 Jul 2025 07:48
Last Modified:	02 Jul 2025 07:48
URI:	http://repository.upp.ac.id/id/eprint/2570

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