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e-ISSN 3047-857X

INSYMA International Symposium on Management

Proceedings papers / Pages 353-358

Is P2P Lending a Complement or Substitute?

  1. Cliff Kohardinata
Volume 22 · 2025 Pages 353-358 e-ISSN 3047-857X English

Abstract

This study examines whether peer-to-peer (P2P) lending functions as a complement or a substitute for traditional MSME bank credit in Indonesia, using disruptive innovation and consumer theory. Results show a complementary role in Java but not significant outside Java, suggesting potential to enhance financial inclusion.

Keywords

  • P2P lending
  • MSME Credit
  • Bank
  • Complementary

Citation

Cliff Kohardinata. (2025). Is P2P Lending a Complement or Substitute?. Proceedings of the International Symposium on Management, 22, 353-358.

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