Pengaruh Peer To Peer Lender (P2P) Dan Payment Gateway Terhadap Kinerja UMKM Pada Masa Pandemi Covid-19 Dengan E-commerce Sebagai Variabel Moderating

Siti Maysaroh, Diansyah Diansyah


This research is motivated by the fact that several MSME actors have started implementing or using peer to peer lenders, payment gateways and e-commerce in their business activities, especially in Johar Baru District, Central Jakarta. This study aims to determine the effect of peer-to-peer lenders and payment gateways on MSME performance during the Covid-19 pandemic using e-commerce as a moderating variable. Peer To Peer Lenders and Payment Gateways are independent variables and MSME performance is the dependent variable in this study. In this study there is a moderating variable, namely E-commerce. Data analysis method using SmartPLS. The population in this study is MSMEs located in Johar Baru District, Central Jakarta with a total sample of 150 MSMEs with purposive sampling method. The results showed that Peer To Peer Lenders had a significant positive effect on MSME Performance, Payment Gateway had a significant positive effect on MSME Performance, E-commerce had a significant positive effect on MSME Performance. Peer To Peer Lenders moderated by E-commerce have a significant positive effect on MSME performance. While the Payment Gateway moderated by E-commerce has a negative and significant impact on the performance of MSMEs. Keywords: Financial Technology, Peer To Peer Lenders, Payment Gateway, E-commerce. MSME performance.


Financial Technology; Peer To Peer Lender; Payment Gateway; E-commerce; Kinerja UMKM

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