Analisis Efektivitas Layanan Fintech Lending Brispot Dan Ceria Dalam Meningkatkan Akses Pembiayaan Umkm Mikro Pada Bank BRI Periode 2018-2024

Abstract

EFFECTIVENESS OF FINTECH LENDING PLATFORMS (BRISPOT AND CERIA) IN MEDIATING BANKING DIGITAL TRANSFORMATION AND MICRO-ENTERPRISE FINANCING ACCESS: EVIDENCE FROM BANK BRI (2018–2024) This study aims to analyze the role of banking digital transformation in enhancing access to financing for micro, small, and medium enterprises (MSMEs) through the effectiveness of fintech lending services at Bank Rakyat Indonesia (BRI) during the 2018–2024 period. The research employs a quantitative approach with descriptive and associative research designs, utilizing time-series secondary data obtained from BRI’s annual and sustainability reports as well as official publications from the Financial Services Authority (Otoritas Jasa Keuangan/OJK). Data analysis is conducted using descriptive statistics to illustrate data characteristics, linear regression with the Ordinary Least Squares (OLS) method to examine intervariable relationships, and conceptual mediation analysis to assess the mediating role of fintech lending service effectiveness in the relationship between digital transformation and financing accessibility. The findings indicate that digital transformation has a positive effect on the effectiveness of fintech lending services, while service effectiveness significantly enhances access to micro-MSME financing. Furthermore, fintech lending service effectiveness is shown to function as a partial mediator that strengthens the influence of digital transformation on financing accessibility. These results highlight that banking digital transformation can generate more optimal outcomes in expanding financial inclusion when implemented through fintech lending services that are effective, easily accessible, and aligned with the specific needs of micro-MSMEs.