Gender-inclusive fintech and economic growth: The case of P2P lending in Indonesia

This study investigates how financial performance indicators, gender-based user demographics, and the strategic role of fraud deterrence in peer-to-peer (P2P) lending fintech companies influence Indonesia’s economic growth. Using monthly data from May 2021 to December 2024, the study employs Ordinary Least Squares (OLS) regression to analyze the impact of variables such as Net Interest Margin, Company Scale, Interest Income Share, user gender composition, and governance-based deterrence practices on Indonesia’s GDP. The results show that Net Interest Margin, Company Scale, Interest Income Share, and female user participation significantly contribute to GDP growth. Furthermore, fraud deterrence emerges as a critical element in maintaining operational integrity and supporting long-term inclusivity in fintech development. Inclusive and well-governed fintech services—particularly those emphasizing gender engagement and institutional safeguards—play a vital role in promoting resilient and inclusive national economic growth. Policymakers and fintech practitioners should adopt gender-inclusive, fraud-sensitive lending models and governance improvements to maximize the sector’s macroeconomic contribution.

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Publication Details

Journal
Edelweiss Applied Science and Technology
Published
2025-05-05
DOI
https://doi.org/10.55214/25768484.v9i5.6885
Primary Topic
FinTech, Crowdfunding, Digital Finance
Type
article
Field-Weighted Citation Impact
0.00
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article

Gender-inclusive fintech and economic growth: The case of P2P lending in Indonesia

Deannes Isynuwardhana, Dwi Fitrizal Salim, Widyadhana Candraningtias, Koenta Adji Koerniawan
Edelweiss Applied Science and Technology
FinTech, Crowdfunding, Digital Finance
article

Gender-inclusive fintech and economic growth: The case of P2P lending in Indonesia

Deannes Isynuwardhana, Dwi Fitrizal Salim, Widyadhana Candraningtias, Koenta Adji Koerniawan
article en

Abstract

This study investigates how financial performance indicators, gender-based user demographics, and the strategic role of fraud deterrence in peer-to-peer (P2P) lending fintech companies influence Indonesia’s economic growth. Using monthly data from May 2021 to December 2024, the study employs Ordinary Least Squares (OLS) regression to analyze the impact of variables such as Net Interest Margin, Company Scale, Interest Income Share, user gender composition, and governance-based deterrence practices on Indonesia’s GDP. The results show that Net Interest Margin, Company Scale, Interest Income Share, and female user participation significantly contribute to GDP growth. Furthermore, fraud deterrence emerges as a critical element in maintaining operational integrity and supporting long-term inclusivity in fintech development. Inclusive and well-governed fintech services—particularly those emphasizing gender engagement and institutional safeguards—play a vital role in promoting resilient and inclusive national economic growth. Policymakers and fintech practitioners should adopt gender-inclusive, fraud-sensitive lending models and governance improvements to maximize the sector’s macroeconomic contribution.

Edelweiss Applied Science and TechnologyVol. 9(5)
Universitas Nusa Bangsa (ID), Telkom University (ID)
Openalex Percentile: Top 83%
FinTech, Crowdfunding, Digital Finance
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Gender-inclusive fintech and economic growth: The case of P2P lending in Indonesia — Deannes Isynuwardhana, Dwi Fitrizal Salim, et al. · Edelweiss Applied Science and Technology (2025) | TGRS Research Map | TGRS