{"id":"https://openalex.org/W3009155644","doi":"https://doi.org/10.26905/jkdp.v24i1.3218","title":"The implementation of fintech: Efficiency of MSMEs loans distribution and users\u2019 financial inclusion index","display_name":"The implementation of fintech: Efficiency of MSMEs loans distribution and users\u2019 financial inclusion index","publication_year":2020,"publication_date":"2020-01-28","ids":{"openalex":"https://openalex.org/W3009155644","doi":"https://doi.org/10.26905/jkdp.v24i1.3218","mag":"3009155644"},"language":"en","primary_location":{"id":"doi:10.26905/jkdp.v24i1.3218","doi":"https://doi.org/10.26905/jkdp.v24i1.3218","is_oa":true,"landing_page_url":"https://doi.org/10.26905/jkdp.v24i1.3218","pdf_url":"http://jurnal.unmer.ac.id/index.php/jkdp/article/download/3218/pdf","source":{"id":"https://openalex.org/S4210187399","display_name":"Jurnal Keuangan dan Perbankan","issn_l":"1410-8089","issn":["1410-8089","2443-2687"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315003","host_organization_name":"Universitas Merdeka Malang","host_organization_lineage":["https://openalex.org/P4310315003"],"host_organization_lineage_names":["Universitas Merdeka Malang"],"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 Keuangan dan Perbankan","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"http://jurnal.unmer.ac.id/index.php/jkdp/article/download/3218/pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5018200674","display_name":"Feronica Fa Rozalyne Pambudianti","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I21881038","display_name":"IPB University","ror":"https://ror.org/05smgpd89","country_code":"ID","type":"education","lineage":["https://openalex.org/I21881038"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Feronica Fa Rozalyne Pambudianti","raw_affiliation_strings":["Department of Management, Faculty of Economics and Management Science, Graduate School of\nIPB University\nJl. Raya Dramaga, Bogor, 16680"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Management, Faculty of Economics and Management Science, Graduate School of\nIPB University\nJl. Raya Dramaga, Bogor, 16680","institution_ids":["https://openalex.org/I21881038"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5103198002","display_name":"Budi Purwanto","orcid":"https://orcid.org/0000-0003-3659-6128","observed_orcids":["https://orcid.org/0000-0003-3659-6128"]},"institutions":[{"id":"https://openalex.org/I21881038","display_name":"IPB University","ror":"https://ror.org/05smgpd89","country_code":"ID","type":"education","lineage":["https://openalex.org/I21881038"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Budi Purwanto","raw_affiliation_strings":["Department of Management, Faculty of Economics, Graduate School of IPB University\nJl. Raya Dramaga, Bogor, 16680"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Management, Faculty of Economics, Graduate School of IPB University\nJl. Raya Dramaga, Bogor, 16680","institution_ids":["https://openalex.org/I21881038"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5104112076","display_name":"Tubagus Nur Ahmad Maulana","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I21881038","display_name":"IPB University","ror":"https://ror.org/05smgpd89","country_code":"ID","type":"education","lineage":["https://openalex.org/I21881038"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Tubagus Nur Ahmad Maulana","raw_affiliation_strings":["Business School, IPB University\nJl. Pajajaran, Bogor, 16151"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Business School, IPB University\nJl. Pajajaran, Bogor, 16151","institution_ids":["https://openalex.org/I21881038"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I21881038"],"apc_list":null,"apc_paid":null,"fwci":3.1281,"has_fulltext":true,"cited_by_count":19,"citation_normalized_percentile":{"value":0.91311344,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":98},"biblio":{"volume":"24","issue":"1","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9970999956130981,"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":0.9970999956130981,"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/T10987","display_name":"Microfinance and Financial Inclusion","score":0.002400000113993883,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.0003000000142492354,"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"}}],"keywords":[{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.9610000252723694},{"id":"https://openalex.org/keywords/peer-to-peer-lending","display_name":"peer-to-peer lending","score":0.9399999976158142},{"id":"https://openalex.org/keywords/msme-lending","display_name":"MSME lending","score":0.7379999756813049},{"id":"https://openalex.org/keywords/financial-inclusion-index","display_name":"financial inclusion index","score":0.8939999938011169},{"id":"https://openalex.org/keywords/technical-efficiency","display_name":"technical efficiency","score":0.8889999985694885},{"id":"https://openalex.org/keywords/non-performing-loans","display_name":"non-performing loans","score":0.7860000133514404},{"id":"https://openalex.org/keywords/loan-periods","display_name":"loan periods","score":0.7379999756813049},{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":0.8999999761581421},{"id":"https://openalex.org/keywords/national-financial-inclusion-strategy","display_name":"National Financial Inclusion Strategy","score":0.7210000157356262}],"concepts":[{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.8459129929542542},{"id":"https://openalex.org/C2777382242","wikidata":"https://www.wikidata.org/wiki/Q6017816","display_name":"Index (typography)","level":2,"score":0.7488150000572205},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6474084258079529},{"id":"https://openalex.org/C110121322","wikidata":"https://www.wikidata.org/wiki/Q865811","display_name":"Distribution (mathematics)","level":2,"score":0.546334445476532},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.5073794722557068},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.30075421929359436},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.2998839020729065},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.1359967291355133},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.10261139273643494},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.08217039704322815},{"id":"https://openalex.org/C134306372","wikidata":"https://www.wikidata.org/wiki/Q7754","display_name":"Mathematical analysis","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.26905/jkdp.v24i1.3218","doi":"https://doi.org/10.26905/jkdp.v24i1.3218","is_oa":true,"landing_page_url":"https://doi.org/10.26905/jkdp.v24i1.3218","pdf_url":"http://jurnal.unmer.ac.id/index.php/jkdp/article/download/3218/pdf","source":{"id":"https://openalex.org/S4210187399","display_name":"Jurnal Keuangan dan Perbankan","issn_l":"1410-8089","issn":["1410-8089","2443-2687"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315003","host_organization_name":"Universitas Merdeka Malang","host_organization_lineage":["https://openalex.org/P4310315003"],"host_organization_lineage_names":["Universitas Merdeka Malang"],"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 Keuangan dan Perbankan","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:ccda9a2ad621477bb8eb6a65e3c15949","doi":null,"is_oa":true,"landing_page_url":"https://doaj.org/article/ccda9a2ad621477bb8eb6a65e3c15949","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":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Jurnal Keuangan dan Perbankan, Vol 24, Iss 1, Pp 68-82 (2020)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.26905/jkdp.v24i1.3218","doi":"https://doi.org/10.26905/jkdp.v24i1.3218","is_oa":true,"landing_page_url":"https://doi.org/10.26905/jkdp.v24i1.3218","pdf_url":"http://jurnal.unmer.ac.id/index.php/jkdp/article/download/3218/pdf","source":{"id":"https://openalex.org/S4210187399","display_name":"Jurnal Keuangan dan Perbankan","issn_l":"1410-8089","issn":["1410-8089","2443-2687"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315003","host_organization_name":"Universitas Merdeka Malang","host_organization_lineage":["https://openalex.org/P4310315003"],"host_organization_lineage_names":["Universitas Merdeka Malang"],"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 Keuangan dan Perbankan","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"No poverty","score":0.666700005531311,"id":"https://metadata.un.org/sdg/1"},{"display_name":"Decent work and economic growth","score":0.6452000141143799,"id":"https://metadata.un.org/sdg/8"},{"display_name":"Reduced inequalities","score":0.5,"id":"https://metadata.un.org/sdg/10"},{"display_name":"Industry, innovation and infrastructure","score":0.4943999946117401,"id":"https://metadata.un.org/sdg/9"}],"sustainable_development_goals_aurora":[{"display_name":"Quality education","score":0.47999998927116394,"id":"https://metadata.un.org/sdg/4"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3009155644.pdf","grobid_xml":"https://content.openalex.org/works/W3009155644.grobid-xml"},"referenced_works_count":15,"referenced_works":["https://openalex.org/W135853945","https://openalex.org/W1991919795","https://openalex.org/W2018188846","https://openalex.org/W2109154153","https://openalex.org/W2339442770","https://openalex.org/W2604654142","https://openalex.org/W2758634436","https://openalex.org/W2767502003","https://openalex.org/W2807807524","https://openalex.org/W2810288164","https://openalex.org/W2893264201","https://openalex.org/W2940600913","https://openalex.org/W3123383317","https://openalex.org/W4237852048","https://openalex.org/W4245695186"],"related_works":["https://openalex.org/W3209077728","https://openalex.org/W7223457849","https://openalex.org/W7221200100","https://openalex.org/W2991245892","https://openalex.org/W4407146061","https://openalex.org/W7221694829","https://openalex.org/W3139050231","https://openalex.org/W4390244553","https://openalex.org/W7216373544","https://openalex.org/W7144213458"],"abstract_inverted_index":{"The":[0,186],"importance":[1],"of":[2,6,41,62,77,92,149,155,188,191,198],"understanding":[3],"the":[4,16,31,55,59,75,100,110,128,135,140,147,163],"efficiency":[5,69,76,112,121],"lending":[7,11],"MSMEs":[8,192],"through":[9,45,139],"fintechpeer-to-peer":[10],"(P2P":[12],"Lending)":[13],"and":[14,43,86,113,153,195],"increasing":[15],"financial":[17,150,199],"inclusion":[18,131],"index":[19,61,129,148,154,197],"ofits":[20],"users":[21],"(for":[22],"lenders":[23],"in":[24,99],"particular).":[25],"We":[26,65],"use":[27],"case":[28],"studies":[29],"on":[30,109,162],"accelerant":[32],"platformwith":[33],"grounded":[34],"research":[35],"methodology":[36],"for":[37],"data":[38],"collection,":[39],"estimation":[40],"technicalefficiency":[42],"intermediation":[44,78],"Data":[46],"Envelopment":[47],"Analysis":[48],"(DEA).":[49],"Descriptiveanalysis":[50],"is":[51],"used":[52],"to":[53,83,94,126,172],"investigate":[54],"determinants":[56],"that":[57,67,116],"influence":[58],"financialinclusion":[60,164],"acceleration":[63],"users.":[64],"indicate":[66],"technical":[68],"has":[70],"a":[71,80,106,159],"muchsmaller":[72],"value":[73],"than":[74],"with":[79],"strategy":[81],"required":[82],"improvebusiness":[84],"optimization":[85],"steer":[87],"clear":[88],"from":[89],"any":[90],"conditions":[91],"constant":[93],"return.In":[95],"addition,":[96],"factors":[97],"considered":[98],"strategy-making":[101],"are":[102,117],"loan":[103,193],"period":[104],"whichhas":[105],"positive":[107,160],"effect":[108,161],"business":[111],"non-performing":[114],"loans":[115],"notaffected":[118],"by":[119,134],"intermediacy":[120],"as":[122,124,132],"well":[123],"strategies":[125],"improve":[127],"offinancial":[130],"targeted":[133],"Financial":[136,142],"Services":[137],"Authority":[138],"StrategyNational":[141],"Inclusion.":[143],"In":[144],"other":[145],"words,":[146],"literacy,income":[151],"level,":[152],"fintech":[156],"knowledge":[157],"have":[158],"index.":[165],"JEL":[166],"classification:":[167],"D83,":[168],"G23,":[169],"O33":[170],"How":[171],"Cite:":[173],"Pambudianti,":[174],"F.":[175,176],"R.,":[177],"Purwanto,":[178],"B.,":[179],"&":[180],"Maulana,":[181],"T.":[182],"N.":[183],"A.":[184],"(2020).":[185],"implementation":[187],"fintech:":[189],"Efficiency":[190],"distribution":[194],"users\u2019":[196],"inclusion.":[200],"Jurnal":[201],"Keuangan":[202],"dan":[203],"Perbankan,":[204],"24":[205],"(1),":[206],"68-82.":[207],"DOI":[208],":":[209],"https://doi.org/10.26905/jkdp.v24i1.3218":[210]},"counts_by_year":[{"year":2025,"cited_by_count":3},{"year":2024,"cited_by_count":5},{"year":2023,"cited_by_count":3},{"year":2022,"cited_by_count":4},{"year":2021,"cited_by_count":3},{"year":2020,"cited_by_count":1}],"updated_date":"2026-10-30T12:39:25.321706","created_date":"2020-03-13T00:00:00"}