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Puteri, R. D. L., Wahyuningsih, R. D., Rilaningrum, S. A., Widiyanto, M. R. B., & Purnamasari, V. (2024). The Influence of Inflation, Exchange Rate, BI Rate, and Economic Growth on Mortgage Volume (KPR) in the Covid-19 Era. KnE Social Sciences, 9(21), 407–424. https://doi.org/10.18502/kss.v9i21.16742

https://doi.org/10.18502/kss.v9i21.16742

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  • Rani Dwiastika Listyani Puteri

    Rani Dwiastika Listyani Puteri

    Department of Economic Development, Faculty of Economic and Business, Universitas Negeri Malang
    https://orcid.org/0009-0009-3749-4669
  • Rani Destia Wahyuningsih

    Rani Destia Wahyuningsih

    Department of Economic Development, Faculty of Economic and Business, Universitas Negeri Malang
  • Sukma April Rilaningrum

    Sukma April Rilaningrum

    Department of Economic Development, Faculty of Economic and Business, Universitas Negeri Malang
  • Muhammad Riyan Bagus Widiyanto

    Muhammad Riyan Bagus Widiyanto

    Department of Economic Development, Faculty of Economic and Business, Universitas Negeri Malang
  • Vidya Purnamasari

    Vidya Purnamasari

    Department of Economic Development, Faculty of Economic and Business, Universitas Negeri Malang

Published Date

  • Jul 31, 2024

The Influence of Inflation, Exchange Rate, BI Rate, and Economic Growth on Mortgage Volume (KPR) in the Covid-19 Era

KnE Social Sciences / The 3rd International Conference on Business, Economics, and Sustainability Science (BESS 2023) / Pages 407–424

Abstract

The financial technology industry is one of the most consequential sectors influencing various countries’ economies. Fintech has great potential and can bring in many opportunities for developing MSMEs, especially in Indonesia. Since the beginning of 2020 the Covid-19 pandemic has affected the Fintech industry, which has started to be cultivated by the MSME sector, especially in Malang. The present study aims to determine the impact before and after the COVID-19 pandemic on the development of the financial technology industry in MSMEs in Malang City using the critical thinking review model. This research uses primary data from 151 MSMEs in Malang City. The results of this study show that 73% of MSMEs in Malang City did not use Fintech accounts before the COVID-19 pandemic. However, since the pandemic, 98% of MSMEs in Malang City have used the fintech platform in their product payment activities. Therefore, there are positive implications due to the pandemic condition. In addition, the public has started using various fintech services, which leads to increasing financial literacy and indicates the growth of financial inclusion.


Keywords: industry financial technology, critical thinking model, MSME

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