Dampak Teknologi Finansial pada Pembiayaan UKM Studi Bibliometrik Tentang Perkembangan Crowdfunding dan Peer-to-Peer Lending
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Abstract
Dampak teknologi finansial (tekfin) terhadap usaha kecil dan menengah (UKM) telah menjadi titik fokus penelitian para akademisi karena inovasi digital telah mengubah lanskap pembiayaan bisnis. Penelitian ini melakukan analisis bibliometrik yang komprehensif untuk mengeksplorasi perkembangan urun dana dan pinjaman peer-to-peer dalam konteks pembiayaan UKM. Melalui telaah terhadap klaster-klaster utama, istilah-istilah yang paling banyak dan paling sedikit muncul, serta keterkaitan antar tema, penelitian ini memberikan pemahaman yang lebih mendalam mengenai dinamika beragam yang membentuk hubungan antara tekfin dan UKM. Temuan-temuannya menawarkan wawasan tentang area penelitian yang lazim, tren yang sedang berkembang, dan pertimbangan penting bagi para pembuat kebijakan, praktisi, dan akademisi yang ingin menavigasi medan pembiayaan UKM yang terus berkembang di era digital.
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