Pengaruh Modal Minimal, Risiko Kredit, dan Imbal Hasil Terhadap Minat Investasi P2P Lending Syariah


  • Evi Septiyanti Politeknik Negeri Jakarta
  • Bambang Waluyo Politeknik Negeri Jakarta


Minimum Capital, Credit Risk, Yield, Interests


 The background of this research is the problem that the number of funders in Peer-to Peer Lending (P2P Lending) in February 2023 has decreased from the previous two months. In addition, of all the P2P Lending companies that have OJK permits, there are only 7 P2P Lending companies that adhere to Sharia principles. Meanwhile, the continuity of Sharia P2P Lending is largely determined by the number of investors who place their funds. The purpose of this study was to determine the effect of minimum capital, credit risk, and returns on the interest of the people of the Greater Jakarta area in investing in Sharia P2P Lending and can be used as material for consideration for potential investors, and as input and suggestions for Sharia P2P Lending. This type of research is associative quantitative with multiple linear regression analysis using the SPSS application. This study uses primary data taken from questionnaires using purposive random sampling method. The samples taken in this study were people in the Greater Jakarta area who were at least 17 years old and had knowledge about investment with a total of 100 respondents. The results of this study are that minimum capital and yields have an effect, while credit risk has no influence on public interest in investing in Sharia P2P Lending. Simultaneously, minimum capital, credit risk, and yields affect public interest in investing in Sharia P2P Lending.

Additional Files