THE INFLUENCE OF PEER TO PEER LENDING (P2P) AND ELECTRONIC MONEY ON INCREASING PROFITS OF MICRO SMALL AND MEDIUM ENTERPRISES (MSME) IN KUDUS REGENCY

Currently, MSMEs must begin to realize the importance of various digital platform services such as peer lending (P2P) and electronic money. The low number MSME business actors in Kudus Regency compared other regencies is one reasons for conducting this research. In addition, there still a lack research on Peer money with use connecting/intervening variables. sampling technique used purposive sampling. data was obtained using questionnaire distributed 91 Regency. Consumer were analyzed multiple regression models path analysis SPSS. results show that direct influence P2P increase profits, indirect profits income intervening, well income.