Is P2P Lending a Complement or Substitute?

Dublin Core

Title

Is P2P Lending a Complement or Substitute?

Creator

Cliff Kohardinata

Proceedings Item Type Metadata

meta_title

Is P2P Lending a Complement or Substitute?

Abstract/Description

This study examines whether peer-to-peer (P2P) lending functions as a complement or a substitute for traditional MSME bank credit in Indonesia, using disruptive innovation and consumer theory. Results show a complementary role in Java but not significant outside Java, suggesting potential to enhance financial inclusion.

publication_date

2025/06/15

pdf_url

https://insyma.org/proceedings/files/articles/Cliff_Kohardinata.pdf

abstract_html_url

https://insyma.org/proceedings/items/show/370

keywords

P2P lending, MSME Credit, Bank, Complementary

firstpage

353

lastpage

358

issn

3047-857X

conference

Proceedings of the International Symposium on Management (INSYMA)

Volume

22

publisher_name

Fakultas Bisnis dan Ekonomika, Universitas Surabaya

Author #1

Cliff Kohardinata

no article

59

authors

Cliff Kohardinata

Files

Cliff_Kohardinata.pdf

Citation

Cliff Kohardinata, “Is P2P Lending a Complement or Substitute?,” Proceedings of the International Symposium on Management (INSYMA), accessed July 1, 2025, https://insyma.org/proceedings/items/show/370.

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