Herding behaviour dan determinan pada peer to peer lending studi kasus pada PT Akseleran Keuangan Inklusif Indonesia

Shinta, Shinta (2019) Herding behaviour dan determinan pada peer to peer lending studi kasus pada PT Akseleran Keuangan Inklusif Indonesia. Masters thesis, Universitas Pelita Harapan.

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Abstract

This research was conducted to predict whether there are herding behavior and explain determinans that influence Peer to peer lending in Indonesia. This research used loan data registered on PT Akseleran Indonesia Platform during the period 2017 - 2019. The data used in this study were primary and secondary data from a total of 596 loan data and then 100 observations taken which then focused on loan data with a duration of 10 days and obtained 38 observations. The results of this study show there’s existence of herding behavior evidenced through the amount of funds collected on the 9th day and the percentage of total fund collected divided by total loan. In addition, it was proven that the total loan days successfully collected, total loan lenders, collateral, loan term and Akseleran’s interest rate were determinans that had significant effect on Peer to Peer Lending interest rate. Also proven that loan term, Akseleran’s interest rate, Peer to Peer Lending interest rate, borrowers’s total loan, total loan days successfully collected were determinans which have a significant effect on the lenders’s total loan. / Penelitian ini dilakukan untuk memprediksi apakah ada herding behavior dan menjelaskan determinan apa saja yang berpengaruh terhadap Peer to peer lending di Indonesia. Penelitian menggunakan data pinjaman yang terdaftar pada Platform PT Akseleran Indonesia selama periode 2017 – 2019. Data yang digunakan dalam penelitian adalah data primer dan sekunder, dari total 596 data pinjaman yang ada lalu diambil 100 observasi yang kemudian difokuskan pada pinjaman dengan durasi 10 hari dan didapat 38 observasi. Hasil penelitian menunjukkan adanya herding behavior yang dibuktikan melalui jumlah dana terkumpul pada hari ke-9 dan persentase dana terkumpul terhadap total pinjaman. Total hari pinjaman berhasil terkumpul, total lender pinjaman, agunan, jangka waktu pinjaman dan suku bunga rating Akseleran berpengaruh signifikan terhadap suku bunga Peer to peer lending. Jangka waktu pinjaman, suku bunga rating Akseleran, suku bunga peer to peer lending, total pinjaman borrowers dan total hari pinjaman berhasil terkumpul berpengaruh signifikan terhadap total lender pinjaman.

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