Dampak Financial Technology Peer To Peer Lending Terhadap Kinerja Keuangan Koperasi Simpan Pinjam Di Ksp Puskopdit Swadaya Utama Maumere

Claudia Mayang Sari; Konstantinus Pati Sanga; Maria Grasella Tunya

doi:10.59603/ppiman.v4i3.1581

Authors

Claudia Mayang Sari Universitas Nusa Nipa
Konstantinus Pati Sanga Universitas Nusa Nipa
Maria Grasella Tunya Universitas Nusa Nipa

DOI:

https://doi.org/10.59603/ppiman.v4i3.1581

Keywords:

Financial Technology, Peer-to-Peer Lending, Outstanding Loans, Return on Assets (ROA), Credit Unions

Abstract

This study aims to analyze the impact of Financial Technology Peer-to-Peer Lending on the financial performance of Savings and Loan Cooperatives under the supervision of KSP Puskopdit Swadaya Utama Maumere. This study uses a quantitative approach with descriptive methods and simple linear regression analysis. The data used are secondary data for the 2021–2025 period obtained from cooperative financial reports and fintech lending statistics. Financial Technology Peer-to-Peer Lending is measured through outstanding fintech loans, while cooperative financial performance is measured using Return on Assets (ROA). Data analysis was conducted using the t-test and coefficient of determination. The results show that outstanding Financial Technology Peer-to-Peer Lending loans do not have a significant effect on cooperative financial performance as measured by ROA, with a significance value of 0.627 (>0.05). The coefficient of determination of 8.8% indicates that outstanding fintech loans explain only a small portion of the changes in cooperative ROA, while the remaining variation is influenced by other factors outside the research model. Thus, the development of outstanding fintech loans during 2021–2025 has not had a significant impact on cooperative financial performance.

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