AKUNTABEL TERHADAP AKSES PERMODALAN UMKM PADA LEMBAGA PERBANKAN DAN FINTECH P2P LENDING

Yayu  Rakkang; Zaenal  Arief; Muhammad Affar; Wiwit Agustina; Kristanti Rahman

doi:10.34127/jrlab.v15i2.2304

Authors

Yayu Rakkang Universitas Indonesia Timur
Zaenal Arief Universitas Siber Indonesia
Muhammad Affar Universitas Islam As-Syafi'iyah
Wiwit Agustina UIN Maulana Malik Ibrahim Malang
Kristanti Rahman STIE Muhammadiyah Cilacap

DOI:

https://doi.org/10.34127/jrlab.v15i2.2304

Keywords:

MSMEs, Accountability, Banking, Fintech, P2P lending, Financial Inclusion

Abstract

This study aims to analyze accountability in accessing capital for Micro, Small, and Medium Enterprises (MSMEs) through banking institutions and fintech peer-to-peer (P2P) lending in Indonesia. The background of this study is based on the still limited access to financing for MSMEs due to various obstacles, such as strict banking requirements and low financial literacy. On the other hand, the development of fintech P2P lending provides a more inclusive and accessible financing alternative. However, this convenience also raises new challenges related to transparency, consumer protection, and management risks. This study uses a qualitative approach with descriptive methods. Data were obtained through interviews, literature studies, and documentation, which were then analyzed using data reduction techniques, data presentation, and drawing conclusions. Data validity was tested through triangulation techniques of sources and methods. This study focuses on comparing the roles, advantages, and challenges between banking and fintech P2P lending in providing accountable financing access for MSMEs. The results show that banking has a higher level of accountability due to the support of a strict supervisory system and the application of prudential principles, but is still limited in reaching unbankable MSMEs. Meanwhile, fintech P2P lending can increase financial inclusion through fast and flexible processes, but still faces challenges in transparency and consumer protection. Therefore, synergy between banking and fintech, strengthened regulations, and increased financial literacy are needed to create an inclusive, accountable, and sustainable MSME financing system

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