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Correlation peer-to-peer lending regarding banking credit

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  • Prima Nur Happyani
  • Kartika Estu Linuwih
  • Rizky Jati Mukti

Abstract

This study aims to identify the correlation between peer-to-peer lending and bank credit using the pooled least squares method for the 2017-2019 period. The results show that, in the aggregate model, credit has a positive correlation with P2P lending and GDP, and a negative correlation with credit interest rates, according to the research hypothesis. Among the three main credit sectors observed in the study, P2P lending and interest rates have the greatest influence on agricultural sector credit, while GDP has the greatest influence on credit in the manufacturing sector.

Suggested Citation

  • Prima Nur Happyani & Kartika Estu Linuwih & Rizky Jati Mukti, 2025. "Correlation peer-to-peer lending regarding banking credit," International Journal of Innovative Research and Scientific Studies, Innovative Research Publishing, vol. 8(5), pages 632-645.
    • Handle: RePEc:aac:ijirss:v:8:y:2025:i:5:p:632-645:id:8804
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