PENGARUH PEER TO PEER LENDING DAN E-COMMERCE TERHADAP KINERJA KEUANGAN UMKM DI KOTA MALANG ( Study Empiris UMKM di Kota Malang )

This study to determine the effect of the use of peer to peer lending (P2) and e-commerce on the financial performance if MSMES. The research was conducted in the city of Malang. The data used are primary data obrained from the distribution of questionnaires. The sample of this research is 100 SMEs. The equation model uses a partial least squares (PLS)-Based structural. The result show that peer to peer lending (P2P) and E-Commerce have a significant effect on financial performance, the implemention of this resech is that the use of peer to peer lending and good understabdubf of e-commerce is seen from the growth of capital, profits and asset