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An analysis of bank productivity in Indonesia: The impact of P2P lending and digital payments using the Malmquist Productivity Index

Jurnal Perspektif Pembiayaan dan Pembangunan Daerah · Vol. 13 No. 1 (2025) · hlm. 58–77

DOI
10.22437/ppd.v13i1.40676
ISSN
2355-8520, 2338-4603
Terbit
2025-04-30
Penerbit
Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

This study investigates the relationship between technological adoption and banking productivity, specifically focusing on Indonesian banks over five years. Using the Malmquist Productivity Index (MPI), the study measures changes in productivity and identifies the variables that influence increases or decreases in performance. The findings reveal that P2P lending and digital payment innovations have a significant positive effect on enhancing bank productivity. Additionally, other bank-specific and macroeconomic variables were found to impact productivity levels. The results highlight the importance of continuous technological development and strategic operational improvements to sustain productivity growth. Based on these findings, it is recommended that banks intensify investments in financial technology, diversify their digital service offerings, and adapt operational models to reach broader market segments. Furthermore, regulatory bodies are encouraged to foster a competitive environment that promotes innovation while ensuring financial stability. These efforts are crucial to maintaining long-term efficiency and competitiveness in the banking sector.

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  • Telkom University
  • Universitas Jambi
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Rekan penulisOrganisasiArtikel bersama
Rike SetiawatiUniversitas Jambi1
Alia Gantina Shiti MariamAfiliasi tidak diketahui1
Hariadi Eka PriatmojoTelkom University1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/JES/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">An analysis of bank productivity in Indonesia: The impact of P2P lending and digital payments using the Malmquist Productivity Index</dc:title>
	<dc:creator xml:lang="en">Octrina, Fajra</dc:creator>
	<dc:creator xml:lang="en">Eliza, Jihan</dc:creator>
	<dc:creator xml:lang="en">Jamilah, Almi</dc:creator>
	<dc:creator xml:lang="en">Dewi, Andrieta Shintia</dc:creator>
	<dc:subject xml:lang="en">Digital Payments</dc:subject>
	<dc:subject xml:lang="en">Malmquist Index Productivity</dc:subject>
	<dc:subject xml:lang="en">Fintech P2P lending </dc:subject>
	<dc:description xml:lang="en">This study investigates the relationship between technological adoption and banking productivity, specifically focusing on Indonesian banks over five years. Using the Malmquist Productivity Index (MPI), the study measures changes in productivity and identifies the variables that influence increases or decreases in performance. The findings reveal that P2P lending and digital payment innovations have a significant positive effect on enhancing bank productivity. Additionally, other bank-specific and macroeconomic variables were found to impact productivity levels. The results highlight the importance of continuous technological development and strategic operational improvements to sustain productivity growth. Based on these findings, it is recommended that banks intensify investments in financial technology, diversify their digital service offerings, and adapt operational models to reach broader market segments. Furthermore, regulatory bodies are encouraged to foster a competitive environment that promotes innovation while ensuring financial stability. These efforts are crucial to maintaining long-term efficiency and competitiveness in the banking sector.</dc:description>
	<dc:publisher xml:lang="en">Program Magister Ilmu Ekonomi  Pascasarjana Universitas Jambi</dc:publisher>
	<dc:date>2025-04-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://online-journal.unja.ac.id/JES/article/view/40676</dc:identifier>
	<dc:identifier>10.22437/ppd.v13i1.40676</dc:identifier>
	<dc:source xml:lang="en">Jurnal Perspektif Pembiayaan dan Pembangunan Daerah; Vol. 13 No. 1 (2025): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah; 58 - 77</dc:source>
	<dc:source>2355-8520</dc:source>
	<dc:source>2338-4603</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://online-journal.unja.ac.id/JES/article/view/40676/20749</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Fajra Octrina, Jihan Eliza, Almi Jamilah, Andrieta Shintia Dewi</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>