Strengthening Business Capital in Micro, Small, and Medium Enterprises (MSMEs) through Investment in Peer-to-Peer Lending Platforms

Authors

  • Monica Resavita Institut Agama Islam Al-Fatimah Bojonegoro
  • Muhamad Mujib Institut Agama Islam Al-Fatimah Bojonegoro

Keywords:

Investment, Micro Small and Medium Enterprises, Peer-to-Peer Lending

Abstract

The purpose of this study is to elaborate on investment schemes within peer-to-peer lending platforms as a means of strengthening capital for Micro, Small, and Medium Enterprises (MSMEs). The research design and procedures employed a qualitative approach using literature review analysis techniques. The results revealed that public interest in investing through peer-to-peer lending platforms can increase the availability of capital for MSMEs, considering that not all MSMEs obtain financing from banks. Therefore, the availability of capital on peer-to-peer lending platforms can serve as an alternative funding option for MSMEs. The higher the public interest in investing on these platforms, the more capital becomes available. Five factors influence public interest in investing in peer-to-peer lending platforms: risk perception, financial literacy, ease of access, and attractive returns

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Author Biographies

Monica Resavita, Institut Agama Islam Al-Fatimah Bojonegoro

Mahasiswa Program Studi Manajemen Keuangan Syariah Institut Agama Islam Al-Fatimah Bojonegoro

Muhamad Mujib, Institut Agama Islam Al-Fatimah Bojonegoro

Dosen Program Studi Manajemen Keuangan Syariah Institut Agama Islam Al-Fatimah Bojonegoro

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Published

2024-10-14

How to Cite

Resavita, M., & Mujib, M. (2024). Strengthening Business Capital in Micro, Small, and Medium Enterprises (MSMEs) through Investment in Peer-to-Peer Lending Platforms. Journal of Business Improvement, 1(3). Retrieved from https://journal.iai-alfatimah.ac.id/index.php/jobi/article/view/97

Issue

Vol. 1 No. 3 (2024): Edisi III, Oktober 2024

Section

Artikel

License

Copyright (c) 2024 Monica Resavita, Muhamad Mujib

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This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.