Table 1.
Content analysis results.
| Clusters | Keywords | Meaningful Keywords |
|---|---|---|
| 1 | Indonesia, Pinjaman, p2p, lending, p2p lending, perusahaan, teknologi, peminjam, kredit, pemberi pinjaman, inklusi, online, lender, cepat, peer lending, modalku, borrower, koinworks, loan, amartha, investree, Syariah, ukm, perusahaan financial technology, tekfin, danamas, pulau jawa, akseleran, fintech Indonesia, penyaluran pinjaman, bali, bandung, pt investree radhika jaya, berbasis peer, pt amartha mikro fintek, mitra, jawa, jumlah pinjaman, uangteman, danain, Surabaya, calon peminjam, semarang, dompet kilat, perkembangan teknologi, jawa barat, jabodetabek, tunaiku, industri financial technology, rupiahplus, solo, akulaku, crowdo, finmas, kredivo, nilai pinjaman, medan, perusahaan terdaftar, kreditcepat (Indonesia, loan, p2p, lending, p2p lending, company, technology, borrower, credit, lender, inclusion, online, lender, fast, peer lending, modalku, borrower, koinworks, loan, amartha, investree, sharia, ukm, company financial technology, fintech, danamas, java island, akseleran, Indonesian fintech, loan distribution, bali, bandung, pt investree radhika jaya, peer-based, pt amartha micro fintek, partners, java, loan amount, friends, funds, Surabaya, prospective borrowers, semarang, flash wallet, technology development, west java, jabodetabek, tunaiku, financial technology industry, rupiahplus, solo, akulaku, crowdo, finmas, credivo, loan value, medan, registered company, credit fast) | Platform: Modalku, KoinWorks, Amartha, Investree, Danamas, UangTeman, Danain, Dompet Kilat, Tunaiku, RupiahPlus, Akulaku, Crowdo, Finmas, KreditCepat |
| 2 | Fintech, Ojk, Jakarta, otoritas jasa keuangan, afpi, industry, pengguna, fintech p2p lending, nasabah, pinjaman online, transaksi, konsuman, fintech lending, asosiasi fintech pendanaan bersama Indonesia, hukum, satgas waspada investasi, bank Indonesia, izin, tidak terdaftar, berizin, regulator, lembaga bantuan hukum, telah terdaftar, kementerian komunikasi dan informatika, bisnis, reporter, pengawasan, transparasi, masalah, kominfo, lending yang terdaftar, fintech pendanaan bersama Indonesia, fintech p2p, layanan pinjam meminjam, data pribadi, asosiasi, merugikan masyarakat, pengaduan, aduan, fintech pinjaman, denda, jakarta selatan, fintech yang terdaftar, kantor ojk, customer, kemenkominfo, bila, kemkominfo, tentang inovasi keuangan digital, jakarta pusat, lending p2p, perusahaan fintech p2p lending, direktur pengaturan perizinan dan pengawasan fintech otoritas jasa keuangan, swi (Fintech, Ojk, Jakarta, financial services authority, afpi, industry, users, fintech p2p lending, customers, online loans, transactions, consumer, fintech lending, Indonesian joint funding fintech association, law, investment alert task force, Indonesian bank, permits, no registered, licensed, regulator, legal aid agency, registered, ministry of communication and information technology, business, reporter, supervision, transparency, issue, communication and information technology, registered lending, Indonesian joint funding fintech, p2p fintech, lending and borrowing services, personal data, association, detrimental to the public, complaints, complaints, fintech loans, fines, south jakarta, registered fintech, ojk offices, customers, ministry of communication and information technology, if, kemkominfo, about digital financial innovation, central jakarta, p2p lending, p2p lending fintech company, director of licensing arrangements and the financial services authority's fintech oversight, swi) | Stakeholders: OJK, Otoritas Jasa Keuangan (Financial Services Authority), SWI, Satgas Waspada Investasi (Investment Alert Task Force), Bank Indonesia, Lembaga Bantuan Hukum (Legal aid), KEMENKOMINFO, kementerian komunikasi dan informatika (Ministry of Communication and Informatics), Fintech Association (AFPI, AFSI, AFTECH), and Costumer. Issues: License, not registered, monitoring, transparency, detrimental to society, complaint, late charge, regulation. |
| 3 | keuangan, perusahaan fintech, jasa, berbasis teknologi, layanan, pojk, lembaga, regulasi, perizinan, tentang layanan pinjam meminjam uang berbasis teknologi informasi, sistem, peraturan ojk, industri fintech, manajeman, peraturan otoritas jasa keuangan, perlindungan konsuman, financial technology fintech, debitur, layanan jasa, industri jasa, lpmubti, payment, pasar modal, pinjam meminjam uang, terorisme, sistem pembayaran, perusahaan pembiayaan, sektor layanan pinjam meminjam uang berbasis teknologi, penjaminan, sistem keuangan, peer p2p lending (finance, fintech companies, services, technology-based, services, pojk, institutions, regulation, licensing, information technology-based lending and borrowing services, systems, ojk regulations, fintech industry, management, financial services authority regulations, consumer protection, financial technology fintech, debtors, services, service industry, lpmubti, payment, capital markets, lending and borrowing, terrorism, payment systems, finance companies, technology-based lending and borrowing services sector, underwriting, financial system, peer p2p lending) | Definitions: information technology-based lending and borrowing services Regulations and Policies: POJK and Consumer Protection Issues: terrorism, service, funding, payment system |
| 4 | perbankan, dana, umkm, investasi, pembiayaan, berkembang, investor, produk, pasar, ekonomi, mudah, sektor, usaha mikro, dunia, agunan, pemerintah, china, gagal bayar, singapura, malaysia, kredit macet, internet, saham, pdb, perusahaan rintisan, amerika serikat, mudah dan cepat, lebih cepat, startup fintech, tokomodal (banking, fund, umm, investment, financing, developing, investor, product, market, economy, easy, sector, microbusiness, world, collateral, government, china, default, Singapore, malaysia, bad credit, internet, stocks, pdb, startup, united states, fast and easy, faster, fintech startup, tokomodal) | Issues: failed to pay, bad credit, collateral, easy to use, faster |
| 5 | bank, bunga, uang, risiko, aftech, pinjam meminjam, pembayaran, asosiasi fintech indonesia, perusahaan teknologi, pinjam, jaminan, bunga pinjaman, rentenir, finance, jangka, wimboh santoso, bunganya, bunga tinggi, economics, ktp, asosiasi fintech, artificial intelligence, day loan, sdm (bank, interest, money, risk, aftech, lending and borrowing, payment, indonesian fintech association, technology company, borrow, guarantee, loan interest, loan shark, finance, term, wimboh santoso, interest, high interest rate, economics, ktp, fintech association, artificial intelligence, day loan, sdm) | Issues: loan interest, loan shark, personal identification, artificial intelligence |