Analisis Faktor-Faktor yang Mempengaruhi Keputusan Pemberian Pembiayaan UMKM Pada Lembaga Keuangan Mikro Peer To Peer Lending

This research is aimed at analyzing the factors affecting the decision of SMEs (Small and Medium-sized Enterprises) financing in peer-to-peer lending micro financial institutions. This research analyzes the credit rating, loan purpose, and loan term on the amount of SMEs financing that has been successfully funded by peer-to -peer lending microfinance institutions. This is a quantitative research using purposive sampling technique to select the sample. The sample used was peer-to-peer landing Ammana platform in the period of 2017-2020. Multiple linear regression was used to analyze the data with the help of SPSS application version 22. The results show that the variables of credit rating and loan purpose partially have significant effect on the amount of SMEs financing that has been successfully funded by peer-to-peer lending micro financial institutions. Meanwhile, for the variable of loan term, it has no significant effect on the amount of SMEs financing that has been successfully funded by peerto-peer lending micro financial institutions.