KEPUTUSAN PEMBERIAN PEMBIAYAAN UKM PADA PEER TO PEER LENDING SYARIAH : ANALISIS FAKTOR CREDIT RATING, LOAN TERM, REQUESTED AMOUNT DAN TINGKAT IMBAL HASIL - Neng Astri Delia Wangi, - (2020)
Usaha Mikro Kecil dan Menengah (UMKM) memegang peranan penting dalam perkembangan perekonomian negara. Permasalahan yang sering dialami UMKM adalah keterbatasan modal dan akses kredit perbankan. Dengan perkembangan teknologi saat ini, telah memunculkan inovasi baru di bidang keuangan yakni peer to peer lending baik syariah maupun konvensional yang diharapkan mampu mengatasi permasalahan yang dihadapi UMKM. Tujuan penelitian ini adalah untuk mengetahui dan menganalisis pengaruh credit rating, loan term, requested amount dan tingkat imbal hasil terhadap keputusan pemberian pembiayaan UKM pada peer to peer lending syariah Kapital Boost. Jenis penelitian yang digunakan adalah penelitian deskriptif kuantitatif. Populasi dalam penelitian ini adalah seluruh campaign yang terdaftar dalam website Kapital Boost hingga Desember 2019. Pengambilan sampel menggunakan metode purposive sampling dan diperoleh sebanyak 81 campaign pembiayaan UKM. Teknik analisis data yang digunakan dalam penelitian imi adalah statistik deskriptif dan analisis regresi logistik. Hasil penelitian menunjukkan bahwa secara simultan variabel credit rating, loan term, requested amount dan tingkat imbal hasil berpengaruh signifikan terhadap keputusan pemberian pembiayaaan UKM pada peer to peer lending syariah Kapital Boost. Secara parsial credit rating dan requested amount berpengaruh negative signifikan, terhadap keputusan pemberian pembiayaaan UKM sedangkan loan term dan tingkat imbal hasil tidak berpengaruh terhadap keputusan pemberian pembiayaaan UKM pada peer to peer lending syariah Kapital Boost. Kata Kunci : Peer to Peer Lending Syariah, Keputusan Pembiayaan, Usaha Mikro Kecil dan Menengah (UMKM), Credit Rating Small and Medium Enterprises (MSMEs) play an important role in the development of the country's economy. The problems that MSMEs often experience are limited capital and access to banking credit. With current technological developments, there have been new innovations in the financial sector, namely peer to peer lending, both sharia and conventional, which are expected to be able to overcome the problems faced by MSMEs. The purpose of this research is to find out and analyze the influence of credit rating, loan term, requested amount and rate of return on the decision to provide SME financing on peer to peer lending sharia Kapital Boost. The type of research used is quantitative descriptive research. The population in this study was all campaigns were listed on Kapitalboost website until Descember 2019. Sampling using purposive sampling method and obtained as many as 81 financing campaigns of SMEs. The data analysis techniques used in this study are descriptive statistics and logistics regression analysis. The results showed that simultaneously variable credit rating, loan term, requested amount and rate of return influenced the decision to finance SMEs in peer to peer lending sharia Kapital Boost. Partially credit rating and requested amount have a negative significant effect, on the decision to finance SMEs while loan terms and yield rates have no effect on the decision of financing SMEs. Keywords : Peer to Peer Lending Sharia, Financing decision, Small and Medium Enterprises (SMEs), Credit Rating