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Exploring FinTech Lending: The Influence of Financing and Economic Factors on the Success of Peer-to-Peer (P2P) Funded Loans

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  • Nur’Asyiqin Ramdhan
  • Imbarine Bujang
  • Amirul Afif Muhamat

Abstract

This research intends to integrate financing and economic factors into a unified model to explore their influence on P2P lending successful fundraising. An innovative framework of the ARDL method was utilized to explore the short and long-term effects of the factors model to allow the P2P lending players to make informed decisions and develop effective strategies for sustainable FinTech lending practices. Information asymmetry is a persistent concern, and the quality of information provided by both internal and external sources plays a crucial role in determining lender decisions. It aims to offer a holistic understanding of how these elements interact and collectively influence P2P lending loan success, emphasizing the importance of transparency and efficient online lending practices.

Suggested Citation

  • Nur’Asyiqin Ramdhan & Imbarine Bujang & Amirul Afif Muhamat, 2023. "Exploring FinTech Lending: The Influence of Financing and Economic Factors on the Success of Peer-to-Peer (P2P) Funded Loans," Information Management and Business Review, AMH International, vol. 15(4), pages 529-535.
    • Handle: RePEc:rnd:arimbr:v:15:y:2023:i:4:p:529-535
    DOI: 10.22610/imbr.v15i4(SI)I.3629
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