EARLY INVESTOR INTENTION IN PEER-TO-PEER LENDING PLATFORM

• Main Author: Wicaksono (NIM 19014076), Altriko
• Format: Final Project
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/20980
• Institution: Institut Teknologi Bandung

Peer-to-peer lending platform is one of the financial technology platform that could help <br /> <br /> to fund an institution or campaign for social, and also the small business by having a <br /> <br /> crowd investor to give a loan to the borrowers with technology system. Since the peer-topeer <br /> <br /> lending platform could be the solution to have the capital for SME, however, due to the number of <br /> <br /> peer-to-peer lending investors in Indonesia is quite low and there are a lot of <br /> <br /> other investment instruments that could be alternatives fo the investors. The research isexploring <br /> <br /> (1) investor’s reason for not yet using peer-to-peer lending using chi-square <br /> <br /> <br /> (2) the most affecting factors for the investor to choose peer-to-peer lending using multilinear regression <br /> <br /> <br /> and (3) the potential investor for peer-to-peer lending platform using <br /> <br /> cluster analysis. Based on those methods, there are significant correlation between the <br /> <br /> educational levels toward their reason for not using peer-to-peer lending yet. Also, the <br /> <br /> social relevance, diversification and perceived security are the most impactful factor for <br /> <br /> the investor to use peer-to-peer lending. In the other hand, the potential investor for peerto-peer <br /> <br /> <br /> lending is a university student or fresh graduate who have conservative risk <br /> <br /> profiling. In summary, this research could be beneficial for peer-to-peer lending company <br /> <br /> in Indonesia to generate more investors.