摘要：In Indonesia, internet users from 2013 to 2018 have increased about 52%. This growth indicates that people behaviour change in many aspects of life including in economy. One example is (Fintech P2P Lending). P2P lending is a service that offers online borrowing, lenders can loan to small business or individuals. This is in line with the Indonesia Financial Services Sector Master Plan 2015-2019. Indonesia support the rapid growth of the financial technology ecosystem, but there is need good understanding between related parties such as P2P Lending companies, lenders and borrowers. A system dynamics act as calculators to takes value to fill payoff table in game theory. Integration of system dynamics and game theory can produce the best strategy for Fintech P2P Lending in running its business while considering profit for lenders and borrowers. The best strategy is known by use non-cooperative and cooperative game theory. The result shown the best strategy for each player with non-cooperative game is when the company chooses a high level of profit margin, borrower chooses low level of debt time, and lender chooses high level of ROI. In cooperative game, the best strategy is when the company chooses a high level of profit margin, borrower chooses low level of debt time, and lender chooses low level of ROI.
