{"id":"https://openalex.org/W2970474143","doi":"https://doi.org/10.12695/jmt.2019.18.2.4","title":"Financial Technology (FinTech): Karakteristik dan Kualitas Pinjaman pada Peer to Peer Lending di Indonesia","display_name":"Financial Technology (FinTech): Karakteristik dan Kualitas Pinjaman pada Peer to Peer Lending di Indonesia","publication_year":2019,"publication_date":"2019-01-01","ids":{"openalex":"https://openalex.org/W2970474143","doi":"https://doi.org/10.12695/jmt.2019.18.2.4","mag":"2970474143"},"language":"id","primary_location":{"id":"doi:10.12695/jmt.2019.18.2.4","doi":"https://doi.org/10.12695/jmt.2019.18.2.4","is_oa":true,"landing_page_url":"https://doi.org/10.12695/jmt.2019.18.2.4","pdf_url":null,"source":{"id":"https://openalex.org/S4210182560","display_name":"Jurnal Manajemen Teknologi","issn_l":"1412-1700","issn":["1412-1700","2089-7928"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315055","host_organization_name":"Bandung Institute of Technology","host_organization_lineage":["https://openalex.org/P4310315055"],"host_organization_lineage_names":["Bandung Institute of Technology"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Manajemen Teknologi","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://doi.org/10.12695/jmt.2019.18.2.4","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":null,"display_name":"Fakultas Ekonomi dan Bisnis, Universitas Tadulako","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Fakultas Ekonomi dan Bisnis, Universitas Tadulako","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":null,"display_name":"Darman .","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Darman .","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":3.9221,"has_fulltext":true,"cited_by_count":26,"citation_normalized_percentile":{"value":0.93655187,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":93,"max":99},"biblio":{"volume":"18","issue":"2","first_page":"130","last_page":"137"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":1.0,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":1.0,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.0,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.0,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/peer-to-peer-lending","display_name":"peer-to-peer lending","score":0.8939999938011169},{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.7950000166893005},{"id":"https://openalex.org/keywords/loan-quality","display_name":"loan quality","score":0.9950000047683716},{"id":"https://openalex.org/keywords/non-performing-loans","display_name":"non-performing loans","score":0.9850000143051147},{"id":"https://openalex.org/keywords/loan-disbursement","display_name":"loan disbursement","score":0.5059999823570251},{"id":"https://openalex.org/keywords/indonesia","display_name":"Indonesia","score":0.45899999141693115}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6872955560684204},{"id":"https://openalex.org/C534932454","wikidata":"https://www.wikidata.org/wiki/Q161410","display_name":"Peer-to-peer","level":2,"score":0.6183504462242126},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.1744028627872467},{"id":"https://openalex.org/C31258907","wikidata":"https://www.wikidata.org/wiki/Q1301371","display_name":"Computer network","level":1,"score":0.1288180947303772}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.12695/jmt.2019.18.2.4","doi":"https://doi.org/10.12695/jmt.2019.18.2.4","is_oa":true,"landing_page_url":"https://doi.org/10.12695/jmt.2019.18.2.4","pdf_url":null,"source":{"id":"https://openalex.org/S4210182560","display_name":"Jurnal Manajemen Teknologi","issn_l":"1412-1700","issn":["1412-1700","2089-7928"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315055","host_organization_name":"Bandung Institute of Technology","host_organization_lineage":["https://openalex.org/P4310315055"],"host_organization_lineage_names":["Bandung Institute of Technology"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Manajemen Teknologi","raw_type":"journal-article"},{"id":"pmh:oai:journal.sbm.itb.ac.id:article/2853","doi":null,"is_oa":true,"landing_page_url":"https://journal.sbm.itb.ac.id/index.php/mantek/article/view/2853","pdf_url":"https://journal.sbm.itb.ac.id/index.php/mantek/article/download/2853/pdf_74","source":{"id":"https://openalex.org/S4210182560","display_name":"Jurnal Manajemen Teknologi","issn_l":"1412-1700","issn":["1412-1700","2089-7928"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315055","host_organization_name":"Bandung Institute of Technology","host_organization_lineage":["https://openalex.org/P4310315055"],"host_organization_lineage_names":["Bandung Institute of Technology"],"type":"journal"},"license":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"1412-1700","raw_type":"info:eu-repo/semantics/article"},{"id":"pmh:oai:doaj.org/article:a38bf1d5efb54546b12fbf9ba9dd1830","doi":null,"is_oa":false,"landing_page_url":"https://doaj.org/article/a38bf1d5efb54546b12fbf9ba9dd1830","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Jurnal Manajemen Teknologi, Vol 18, Iss 2, Pp 130-137 (2019)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.12695/jmt.2019.18.2.4","doi":"https://doi.org/10.12695/jmt.2019.18.2.4","is_oa":true,"landing_page_url":"https://doi.org/10.12695/jmt.2019.18.2.4","pdf_url":null,"source":{"id":"https://openalex.org/S4210182560","display_name":"Jurnal Manajemen Teknologi","issn_l":"1412-1700","issn":["1412-1700","2089-7928"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315055","host_organization_name":"Bandung Institute of Technology","host_organization_lineage":["https://openalex.org/P4310315055"],"host_organization_lineage_names":["Bandung Institute of Technology"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Manajemen Teknologi","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W2970474143.pdf","grobid_xml":"https://content.openalex.org/works/W2970474143.grobid-xml"},"referenced_works_count":1,"referenced_works":["https://openalex.org/W2899147239"],"related_works":["https://openalex.org/W3020611973","https://openalex.org/W4415055801","https://openalex.org/W4416336381","https://openalex.org/W7215331513","https://openalex.org/W7136096971","https://openalex.org/W4362585061","https://openalex.org/W7219075252","https://openalex.org/W3097851825","https://openalex.org/W7117424798","https://openalex.org/W2974665715"],"abstract_inverted_index":{"Abstract.":[0],"The":[1,44,56,72,139,164,189],"business":[2],"concept":[3],"changes":[4],"from":[5,67],"conventional":[6],"(off-line)":[7],"to":[8,11,28,38,69,93,103,117,182,195,202,220],"digital":[9],"(on-line)":[10],"win":[12],"the":[13,18,30,47,50,75,79,94,122,153,169,214],"competition,":[14],"including":[15],"businesses":[16],"in":[17,36,42,125,143,184,187,199,216],"financial":[19,173],"sector":[20],"through":[21],"Financial":[22,227],"Technology":[23],"(FinTech).":[24],"This":[25,205],"study":[26,76,193],"aims":[27],"analyze":[29],"characteristics":[31],"and":[32,64,83,89,158,175,223],"quality":[33,61,142,170],"of":[34,46,53,74,81,106,121,151,171,191,211],"loans":[35,130,150,156,160,222],"FinTech-Peer":[37],"Peer":[39],"(P2P)":[40],"Lending":[41,219],"Indonesia.":[43,188],"object":[45],"research":[48,206],"is":[49,146,194,208],"72":[51],"companies":[52],"FinTech-P2P":[54,185,218],"lending.":[55],"analysis":[57,63],"tool":[58],"uses":[59],"loan":[60,100,123,141,232],"ratio":[62],"data":[65,198],"trends":[66],"January":[68,118],"October":[70,107],"2018.":[71,119],"results":[73],"found":[77],"that":[78],"number":[80,110],"borrower":[82],"lender":[84],"accounts":[85],"increased":[86],"10.8":[87],"times":[88,91,115],"1.8":[90],"compared":[92,116],"previous":[95],"year.":[96],"P2P":[97,126,144,229],"lending":[98,127,145,186],"disburses":[99],"funds":[101,124],"amounting":[102],"Rp.15,990,143,141,355":[104],"as":[105],"2018,":[108],"this":[109,192],"has":[111],"grown":[112],"dramatically":[113],"5.3":[114],"Most":[120],"are":[128],"current":[129,149],"with":[131],"payments":[132],"for":[133,180,213],"no":[134],"more":[135],"than":[136],"30":[137],"days.":[138],"average":[140],"dominated":[147],"by":[148],"97.09%,":[152],"remaining":[154],"non-current":[155],"(1.90%),":[157],"bad":[159],"(1.03%)":[161],"each":[162],"month.":[163],"low":[165],"non-Performing":[166],"Loan":[167],"shows":[168],"good":[172,178],"transactions":[174],"indicates":[176],"a":[177,209],"prospect":[179],"investors":[181],"invest":[183],"limitation":[190],"use":[196],"monthly":[197],"one":[200],"period":[201],"be":[203],"analyzed.":[204],"information":[207],"matter":[210],"consideration":[212],"community":[215],"using":[217],"fund":[221],"invest.":[224],"\\n":[225],"\\nKeywords:":[226],"technology,":[228],"lending,":[230],"characteristics,":[231],"quality,":[233],"Indonesia":[234]},"counts_by_year":[{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":4},{"year":2023,"cited_by_count":7},{"year":2022,"cited_by_count":2},{"year":2021,"cited_by_count":3},{"year":2020,"cited_by_count":8}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2019-09-05T00:00:00"}