Dewi, Karina Puspa (2021) Analisis kepercayaan, tingkat risiko, reputasi pelaku usaha dalam melakukan pinjaman melalui Bank dan Peer-To-Peer Lending. Masters thesis, Universitas Pelita Harapan.
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Abstract
Munculnya P2P lending telah memberikan pilihan tambahan bagi UMKM khususnya UMKM non bankable untuk mendapatkan pinjaman. Artinya, setidaknya ada dua opsi bagi UMKM untuk mendapatkan pembiayaan, yaitu layanan pinjaman bank umum dan P2P lending. Penelitian ini bertujuan untuk mengetahui bagaimana prosedur pinjaman modal usaha yang dilakukan oleh bank dan peer to peer lending terhadap pelaku usaha UMKM dan apakah terdapat perbedaan kepercayaan, tingkat risiko dan reputasi pelaku / pemilik usaha dalam melakukan pinjaman melalui bank dan peer to peer lending. Jenis penelitian ini adalah deskriptif kuantitatif. Penelitian ini menggunakan analisis dengan salah satu metode kuantitatif dengan pendekatan komparatif. Populasi dalam penelitian ini pimpinan pelaku usaha UMKM di Jabodetabek dalam melakukan pinjaman melalui Bank dan Peer-To-Peer Lending. Sampel yang digunakan peneliti adalah 200 sampel untuk masing-masing 100 pelaku usaha UMKM di Jabodetabek dalam melakukan pinjaman melalui Bank dan Peer-To-Peer Lending. Teknik analisis yang digunakan adalah uji beda dua rata-rata (paired sample t test) Berdasarkan hasil penelitian dan pembahasan menunjukkan bahwa prosedur pinjam modal usaha yang dilakukan oleh bank dan peer to peer lending terhadap pelaku usaha UMKM menunjukkan persamaan yang hampir mirip akan tetapi terdapat perbedaan yang utama terkait dengan teknologi yang digunakan. Berdasarkan pada hasil analisis uji beda dua rata-rata menunjukkan bahwa terdapat perbedaan yang signifikan kepercayaan, tingkat risiko, dan reputasi pelaku / pimpinan usaha UMKM yang melakukan pinjaman melalui Bank dan Peer to Peer Lending di UMKM. "/" The emergence of P2P lending has provided additional options for SMEs, especially non-bankable SMEs, to obtain loans. This means that there are at least two options for SMEs to obtain financing, namely commercial bank loan services and P2P lending. This study aims to find out how the procedures for business capital loans are carried out by banks and peer to peer lending to SME business actors and whether there are differences in trust, risk level and reputation of business actors / owners in making loans through banks and peer to peer lending. This type of research is descriptive quantitative. This study uses analysis with one of the quantitative methods with a comparative approach. The population in this study is the leadership of SME business actors in Jabodetabek in making loans through banks and Peer-To-Peer Lending. The sample used by the researcher is 200 samples for each of 100 SME business actors in Jabodetabek in making loans through banks and Peer-To-Peer Lending. The analytical technique used is the two-average difference test (paired sample t test). Based on the results of research and discussion, it shows that the procedures for borrowing business capital carried out by banks and peer to peer lending for SME business actors show almost similar similarities but there are major differences related to the technology used. Based on the results of the analysis of the two different tests on average, it shows that there are significant differences in trust, level of risk, and reputation of SME actors/business leaders who make loans through banks and Peer to Peer Lending in SMEs.
Item Type: | Thesis (Masters) | ||||||||
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Uncontrolled Keywords: | kepercayaan ; tingkat risiko ; reputasi ; pinjaman ; umkm | ||||||||
Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management | ||||||||
Divisions: | University Subject > Current > Faculty/School - UPH Karawaci > Business School > Master of Management Current > Faculty/School - UPH Karawaci > Business School > Master of Management |
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Depositing User: | Users 3889 not found. | ||||||||
Date Deposited: | 15 Oct 2021 01:07 | ||||||||
Last Modified: | 27 Feb 2022 15:15 | ||||||||
URI: | http://repository.uph.edu/id/eprint/42723 |
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