How to cite this paper
Kohardinata, C., Widianingsih, L., Stanley, N., Junianto, Y., Ismawati, A & Sari, E. (2024). Collaborative enhancement of non-MSME credit and optimization of banking idle funds through P2P platforms.Uncertain Supply Chain Management, 12(1), 37-44.
Refrences
Aaker, D., & Keller, K. L. (1990). Consumer Evaluations of Brand Extensions. Journal of Marketing, 54(1), 27. https://doi.org/10.2307/1252171
Abbasi, K., Alam, A., Brohi, N. A., Brohi, I. A., & Nasim, S. (2021). P2P lending Fintechs and SMEs’ access to finance. Economics Letters, 204, 109890. https://doi.org/10.1016/j.econlet.2021.109890
Abdelhafid, M., & Mohammed, S. (2019). The Impact of Information Asymmetry on the Bank Financing of SMEs in Algeria : An Econometric Study. International Journal of Inspiration & Resilience Economy, 3(1), 17–23. https://doi.org/10.5923/j.ijire.20190301.03
Acharya, V., & Naqvi, H. (2012). The seeds of a crisis : A theory of bank liquidity and risk-taking over the business cycle. Journal of Financial Economics, 106(2), 349–366. https://doi.org/10.1016/j.jfineco.2012.05.014
Admati, A., & Hellwig, M. (2013). Bankers’ New Clothes. Princeton University Press.
Anagnostopoulos, I. (2018). Fintech and regtech: Impact on regulators and banks. Journal of Economics and Business, 100, 7–25. https://doi.org/10.1016/j.jeconbus.2018.07.003
Berger, A. N., & Bouwman, C. H. S. (2009). Bank liquidity creation. Review of Financial Studies, 22(9), 3779–3837. https://doi.org/10.1093/rfs/hhn104
Bollaert, H., Lopez-de-Silanes, F., & Schwienbacher, A. (2021). Fintech and access to finance. Journal of Corporate Finance, 68(December 2020), 101941. https://doi.org/10.1016/j.jcorpfin.2021.101941
Christensen, C. M. (1997). Innovator ’ s Dilemma. Harvard Business School Press.
Christensen, C. M., McDonald, R., Altman, E. J., & Palmer, J. E. (2018). Disruptive Innovation: An Intellectual History and Directions for Future Research. Journal of Management Studies, 55(7), 1043–1078. https://doi.org/10.1111/joms.12349
Christensen, C. M., Raynor, M., & McDonald, R. (2015). What Is Disruptive Innovation ? Harvard Business Review, December.
Das, S. (2017). Banking on Disruption : Digitization, FinTech and the future of retail banking (Issue June).
Erdogan, A. I. (2019). Determinants of perceived bank financing accessibility for SMEs: evidence from an emerging market. Economic Research-Ekonomska Istrazivanja , 32(1), 690–716. https://doi.org/10.1080/1331677X.2019.1578678
Hoechle, D. (2007). Robust standard errors for panel regressions with cross-sectional dependence. Stata Journal, 7(3), 281–312. https://doi.org/10.1177/1536867x0700700301
Jiang, C., Xu, Q., Zhang, W., Li, M., & Yang, S. (2018). Does automatic bidding mechanism affect herding behavior ? Evidence from online P2P lending in China. Journal of Behavioral and Experimental Finance, 20, 39–44. https://doi.org/10.1016/j.jbef.2018.07.001
Kohardinata, C., Soewarno, N., & Tjahjadi, B. (2020). Indonesian peer to peer lending (P2P) at entrant’s disruptive trajectory. Business: Theory and Practice, 21(1), 104–114. https://doi.org/10.3846/btp.2020.11171
Kohardinata, C., Suhardianto, N., & Tjahjadi, B. (2020). Peer-to-peer lending platform: From substitution to complementary for rural banks. Business: Theory and Practice, 21(2), 713–722. https://doi.org/10.3846/btp.2020.12606
Levin, J., & Milgrom, P. (2004). Consumer theory. https://web.stanford.edu/~jdlevin/Econ 202/Consumer Theory.pdf
Montgomery, N., Squires, G., & Syed, I. (2018). Disruptive potential of real estate crowdfunding in the real estate project finance industry A literature review. Property Management, 36(5), 597–619. https://doi.org/10.1108/PM-04-2018-0032
Nuhiu, A., Hoti, A., & Bektashi, M. (2017). Determinants of commercial banks profitability through analysis of financial performance indicators: Evidence from Kosovo. Business: Theory and Practice, 18, 160–170. https://doi.org/10.3846/btp.2017.017
Otoritas Jasa Keuangan. (2023). Statistik Fintech Lending Periode Desember 2022.
Otoritas Jasa Keuangan Indonesia. (2023). Indonesia Banking Statistic December 2022. In Otoritas Jasa Keuangan.
Pengnate, S. (Fone), & Riggins, F. J. (2020). The role of emotion in P2P microfinance funding: A sentiment analysis approach. International Journal of Information Management, 54(April). https://doi.org/10.1016/j.ijinfomgt.2020.102138
Phan, D. H. B., Narayan, P. K., Rahman, R. E., & Hutabarat, A. R. (2019). Do financial technology firms influence bank performance? Pacific-Basin Finance Journal, November 2, 1–13. https://doi.org/10.1016/j.pacfin.2019.101210
Pop, I. D., Cepoi, C. O., & Anghel, D. G. (2018). Liquidity-threshold effect in non-performing loans. Finance Research Letters, 27(February), 124–128. https://doi.org/10.1016/j.frl.2018.02.012
Septina, F. (2022). Leverage , Product Diversification , and Performance of Life Insurance Companies in Indonesia. Jurnal Keuangan Dan Perbankan, 26(2), 301–316. https://doi.org/10.26905/jkdp.v26i2.7527
Umar, M., & Sun, G. (2016). Non-performing loans ( NPLs ), liquidity creation , and moral hazard : Case of Chinese banks. China Finance and Economic Review, 4(10), 1–23. https://doi.org/10.1186/s40589-016-0034-y
Werner, R. A. (2016). A lost century in economics: Three theories of banking and the conclusive evidence. International Review of Financial Analysis, 46, 361–379. https://doi.org/10.1016/j.irfa.2015.08.014
Zhang, D., Cai, J., Dickinson, D., & Kutan, A. (2016). Non-performing loans, moral hazard and regulation of the Chinese commercial banking system. Journal of Banking and Finance, 63, 48–60. https://doi.org/10.1016/j.jbankfin.2015.11.010
Zhang, Z., Hu, W., & Chang, T. (2019). Nonlinear effects of P2P lending on bank loans in a Panel Smooth Transition Regression model. International Review of Economics and Finance, 59(August 2017), 468–473. https://doi.org/10.1016/j.iref.2018.10.010
Abbasi, K., Alam, A., Brohi, N. A., Brohi, I. A., & Nasim, S. (2021). P2P lending Fintechs and SMEs’ access to finance. Economics Letters, 204, 109890. https://doi.org/10.1016/j.econlet.2021.109890
Abdelhafid, M., & Mohammed, S. (2019). The Impact of Information Asymmetry on the Bank Financing of SMEs in Algeria : An Econometric Study. International Journal of Inspiration & Resilience Economy, 3(1), 17–23. https://doi.org/10.5923/j.ijire.20190301.03
Acharya, V., & Naqvi, H. (2012). The seeds of a crisis : A theory of bank liquidity and risk-taking over the business cycle. Journal of Financial Economics, 106(2), 349–366. https://doi.org/10.1016/j.jfineco.2012.05.014
Admati, A., & Hellwig, M. (2013). Bankers’ New Clothes. Princeton University Press.
Anagnostopoulos, I. (2018). Fintech and regtech: Impact on regulators and banks. Journal of Economics and Business, 100, 7–25. https://doi.org/10.1016/j.jeconbus.2018.07.003
Berger, A. N., & Bouwman, C. H. S. (2009). Bank liquidity creation. Review of Financial Studies, 22(9), 3779–3837. https://doi.org/10.1093/rfs/hhn104
Bollaert, H., Lopez-de-Silanes, F., & Schwienbacher, A. (2021). Fintech and access to finance. Journal of Corporate Finance, 68(December 2020), 101941. https://doi.org/10.1016/j.jcorpfin.2021.101941
Christensen, C. M. (1997). Innovator ’ s Dilemma. Harvard Business School Press.
Christensen, C. M., McDonald, R., Altman, E. J., & Palmer, J. E. (2018). Disruptive Innovation: An Intellectual History and Directions for Future Research. Journal of Management Studies, 55(7), 1043–1078. https://doi.org/10.1111/joms.12349
Christensen, C. M., Raynor, M., & McDonald, R. (2015). What Is Disruptive Innovation ? Harvard Business Review, December.
Das, S. (2017). Banking on Disruption : Digitization, FinTech and the future of retail banking (Issue June).
Erdogan, A. I. (2019). Determinants of perceived bank financing accessibility for SMEs: evidence from an emerging market. Economic Research-Ekonomska Istrazivanja , 32(1), 690–716. https://doi.org/10.1080/1331677X.2019.1578678
Hoechle, D. (2007). Robust standard errors for panel regressions with cross-sectional dependence. Stata Journal, 7(3), 281–312. https://doi.org/10.1177/1536867x0700700301
Jiang, C., Xu, Q., Zhang, W., Li, M., & Yang, S. (2018). Does automatic bidding mechanism affect herding behavior ? Evidence from online P2P lending in China. Journal of Behavioral and Experimental Finance, 20, 39–44. https://doi.org/10.1016/j.jbef.2018.07.001
Kohardinata, C., Soewarno, N., & Tjahjadi, B. (2020). Indonesian peer to peer lending (P2P) at entrant’s disruptive trajectory. Business: Theory and Practice, 21(1), 104–114. https://doi.org/10.3846/btp.2020.11171
Kohardinata, C., Suhardianto, N., & Tjahjadi, B. (2020). Peer-to-peer lending platform: From substitution to complementary for rural banks. Business: Theory and Practice, 21(2), 713–722. https://doi.org/10.3846/btp.2020.12606
Levin, J., & Milgrom, P. (2004). Consumer theory. https://web.stanford.edu/~jdlevin/Econ 202/Consumer Theory.pdf
Montgomery, N., Squires, G., & Syed, I. (2018). Disruptive potential of real estate crowdfunding in the real estate project finance industry A literature review. Property Management, 36(5), 597–619. https://doi.org/10.1108/PM-04-2018-0032
Nuhiu, A., Hoti, A., & Bektashi, M. (2017). Determinants of commercial banks profitability through analysis of financial performance indicators: Evidence from Kosovo. Business: Theory and Practice, 18, 160–170. https://doi.org/10.3846/btp.2017.017
Otoritas Jasa Keuangan. (2023). Statistik Fintech Lending Periode Desember 2022.
Otoritas Jasa Keuangan Indonesia. (2023). Indonesia Banking Statistic December 2022. In Otoritas Jasa Keuangan.
Pengnate, S. (Fone), & Riggins, F. J. (2020). The role of emotion in P2P microfinance funding: A sentiment analysis approach. International Journal of Information Management, 54(April). https://doi.org/10.1016/j.ijinfomgt.2020.102138
Phan, D. H. B., Narayan, P. K., Rahman, R. E., & Hutabarat, A. R. (2019). Do financial technology firms influence bank performance? Pacific-Basin Finance Journal, November 2, 1–13. https://doi.org/10.1016/j.pacfin.2019.101210
Pop, I. D., Cepoi, C. O., & Anghel, D. G. (2018). Liquidity-threshold effect in non-performing loans. Finance Research Letters, 27(February), 124–128. https://doi.org/10.1016/j.frl.2018.02.012
Septina, F. (2022). Leverage , Product Diversification , and Performance of Life Insurance Companies in Indonesia. Jurnal Keuangan Dan Perbankan, 26(2), 301–316. https://doi.org/10.26905/jkdp.v26i2.7527
Umar, M., & Sun, G. (2016). Non-performing loans ( NPLs ), liquidity creation , and moral hazard : Case of Chinese banks. China Finance and Economic Review, 4(10), 1–23. https://doi.org/10.1186/s40589-016-0034-y
Werner, R. A. (2016). A lost century in economics: Three theories of banking and the conclusive evidence. International Review of Financial Analysis, 46, 361–379. https://doi.org/10.1016/j.irfa.2015.08.014
Zhang, D., Cai, J., Dickinson, D., & Kutan, A. (2016). Non-performing loans, moral hazard and regulation of the Chinese commercial banking system. Journal of Banking and Finance, 63, 48–60. https://doi.org/10.1016/j.jbankfin.2015.11.010
Zhang, Z., Hu, W., & Chang, T. (2019). Nonlinear effects of P2P lending on bank loans in a Panel Smooth Transition Regression model. International Review of Economics and Finance, 59(August 2017), 468–473. https://doi.org/10.1016/j.iref.2018.10.010