Dampak Platform Pinjol Legal dan Financial Inclusion terhadap Kesejahteraan Rumah Tangga dan Risiko Kredit di Jawa Barat
DOI:
https://doi.org/10.58812/jmws.v4i11.2905Kata Kunci:
Platform Pinjol Legal, Inklusi Keuangan, Kesejahteraan Rumah Tangga, Risiko Kredit, Jawa BaratAbstrak
Penelitian ini mengkaji dampak platform pinjaman peer-to-peer (Pinjol) yang legal dan inklusi keuangan terhadap kesejahteraan rumah tangga dan risiko kredit di Jawa Barat. Pendekatan kuantitatif digunakan, dengan data dikumpulkan dari 125 rumah tangga menggunakan kuesioner skala Likert dan dianalisis menggunakan Structural Equation Modeling–Partial Least Squares (SEM-PLS 3). Hasil penelitian menunjukkan bahwa platform Pinjol legal secara signifikan meningkatkan kesejahteraan rumah tangga dengan menyediakan sumber daya keuangan yang mudah diakses dan diatur, sementara inklusi keuangan juga berkontribusi positif terhadap kesejahteraan dengan meningkatkan pengelolaan keuangan dan literasi keuangan. Namun, penggunaan platform Pinjol legal terkait dengan risiko kredit yang lebih tinggi, sedangkan inklusi keuangan mengurangi risiko tersebut, menyoroti pentingnya pinjaman yang bertanggung jawab dan pendidikan keuangan. Temuan ini memberikan wawasan berharga bagi pembuat kebijakan dan lembaga keuangan dalam mempromosikan layanan keuangan inklusif yang meningkatkan kesejahteraan rumah tangga sambil memitigasi risiko potensial.
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