ANALISIS PENDANAAN MODAL UMKM MELALUI FINANCIAL TECHNOLOGY PEER TO PEER LENDING (P2P)

Abstract

A competitive and rapid growth of SMEs becomes one of economy sources potency in Indonesia. However, in its development, SMEs had problem related to capital credit access of bank which had higher in its guarantee. Moreover, the growth of financial technology company offer convenience, safety in its service and competitive capital loan. Futhermore, the rule related with the loan base of financial technology had been stated by Financial service authority (OJK) regulation number 77/POJK.01/2016, loan service and money payment base on the information technology. This research aimed to analyze the effect of SMEs business capital loan through Financial Technology Peer To Peer Lending (P2P) company and the implementation of financial statement base on SAK EMKM. This research was descriptive qualitative with structured interview as its primary data. Futhermore, the data ware taken from PT Investree Radhika Jaya or Investree which was pioneer and one of the largest Indonesia companies in the loan service base on Peer to Peer Lending. The research result concluded Fintech Peer to Peer Lending rolel become the alternative solution of capital loan which was easy, fast, and saferty for SMEs and the implementation of financial statement in accordance with existed SAK EMKM.
Keywords: financial tehcnology, peer to peer lending, SMEs capital, SAK EMKM.