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
no article
59
Files
Citation
Cliff Kohardinata, “Is P2P Lending a Complement or Substitute?,” Proceedings of the International Symposium on Management (INSYMA), accessed October 31, 2025, https://insyma.org/proceedings/items/show/370.