THE INFLUENCE OF FINTECH LENDING ON THE PROFITABILITY OF MSME IN BOGOR CITY
Keywords:
Fintech Lending, Profitability, MSMEs, Bogor CityAbstract
Study This aim For know the influence of fintech lending on profitability of Micro, Small, and Medium Enterprises (MSMEs) in Bogor City. Fintech lending is innovation financing based technology that provides convenience access to capital for MSMEs without collateral. Profitability measured use Return on Assets (ROA) indicator, which reflects efficiency use asset in produce profit. Research This use method quantitative with approach descriptive. Population in study This is all MSMEs in North Bogor District that use fintech lending services, with sample as many as 10 MSME actors. The data collection technique was carried out through documentation, while data analysis was carried out using panel data regression test. Research results show that fintech lending has influence positive and significant to profitability of MSMEs in Bogor City. This show that access digital financing can become alternative strategic For increase performance MSME finances in general sustainable.
Downloads
References
Darmawan, J. (2023). Pengaruh Financial Technology ( Fintech ) Terhadap Profitabilitas Perbankan di Indonesia.
Firdausya, L. Z., & Ompusunggu, D. P. (2023). Usaha Mikro Kecil Dan Menengah (Umkm) Di Era Digital Abad 21. Tali Jagad Journal, 1(1), 16–20.
Fitriani, B., Islam, U., Abdurrahman, N. K. H., Pekalongan, W., Mursid, M. C., Islam, U., Abdurrahman, N. K. H., & Pekalongan, W. (2025). Analisis Dampak Fintech terhadap Efisiensi Operasional dan Kinerja UMKM. 2(1), 375–384.
Jurnal, J., & Mea, I. (2024). PENGARUH FINTECH P2P LENDING DAN PAYMENT GATEWAY JIMEA | Jurnal Ilmiah MEA ( Manajemen , Ekonomi , dan Akuntansi ). 8(2), 753–769.
Kerja, M., Penjualan, O., Bersih, D. A. N. L., Studi, U. K. M., & Alami, P. (2021). PENGARUH PEMBIAYAAN FINTECH SYARIAH TERHADAP. 18(2), 1–9.
Kumpulan Data Fintech P2P Lending di Indonesia Sepanjang. (2024).
Kusbianto, N., Groda, S. P., Veronica, L., Rihidima, C., Norisnita, M., Kurniasih, M., & Noeringtyas, B. P. (2024). MEMPEROLEH TAMBAHAN MODAL MELALUI PEER TO PEER. 10(2), 93–100.
Lisnawati. (2023). Tantangan UMKM Di Tahun 2024. Isu Sepekan Bidang Ekkuinbang, Komisi VI DPR RI, 1–2. https://berkas.dpr.go.id/pusaka/files/isu_sepekan/Isu Sepekan---V-PUSLIT-November-2023-246.pdf
Matias Vikman. (2025). HOW DEBT AFFECTS THE MARKET VALUE OF NORDIC-LISTED COMPANIES. Matias Vikman.
Nurhayati, S. (2017). Peranan Manajemen Keuangan dalam suatu Perusahaan. Jbma, IV(1), 85–94.
Putu, N., & Devi, P. (2024). FINANCIAL TECHNOLOGY. 7, 8556–8564.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Ardiniati Putri, Renea Shinta Aminda
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
