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2022•KnE Social SciencesOpen access

The Impact of Payment Systems and Peer-to-Peer Lending on the Performance of SMEs in Indonesia

Rika Desiyanti, Nor Azilah Husin, Aza Azlina Md Kassim, Rini Elvira

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Abstract

SME performance has contributed to the establishment and sustainability of the nation’s economy. This paper aimed to analyze the effect of payment systems and peer-to-peer lending on the performance of SMEs. A questionnaire was distributed to SMEs in Sumatra, Indonesia, using an area random sampling technique, and 387 respondents were obtained. The study found that payment systems and peer-to-peer lending do affect the performance of SMEs. Keywords: payment system, peer-to-peer lending, SMEs’ performance

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What this paper is about

SME performance has contributed to the establishment and sustainability of the nation’s economy. This paper aimed to analyze the effect of payment systems and peer-to-peer lending on the performance of SMEs. A questionnaire was distributed to SMEs in Sumatra, Indonesia, using an area random sampling technique, and 387 respondents were obtained. The study found that payment systems and peer-to-peer lending do affect the performance of SMEs. Keywords: payment system, peer-to-peer lending, SMEs’ performance

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Available abstract

SME performance has contributed to the establishment and sustainability of the nation’s economy. This paper aimed to analyze the effect of payment systems and peer-to-peer lending on the performance of SMEs. A questionnaire was distributed to SMEs in Sumatra, Indonesia, using an area random sampling technique, and 387 respondents were obtained. The study found that payment systems and peer-to-peer lending do affect the performance of SMEs. Keywords: payment system, peer-to-peer lending, SMEs’ performance

Key concepts: Payment, Business, Peer-to-peer, Payment system, Sustainability, Affect (linguistics), Finance, Computer science

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