PERAN FINANCIAL TECHNOLOGY PADA PEMBIAYAAN PEER TO PEER SYARIAH TERHADAP PERTUMBUHAN USAHA KECIL: PENDEKATAN ANALYTIC NETWORK PROCESS

Authors

  • Nida Hafia
  • Ahmad Mulyadi Kosim
  • Abrista Devi

DOI:

https://doi.org/10.32832/kasaba.v12i2.3019

Keywords:

financial technology, Islamic financing, small business

Abstract

Financial technology (Fintech) is proof the development of digital technology that provides innovation in the form of a financial service provider, it certainly will affect economic growth in Indonesia. Fintech in Indonesia has not been fully utilized by the public especially Fintech Sharia Peer to Peer Lending. widespread activity based on digital creates challenges and opportunities to develop businesses / businesses for MSMEs, challenges faced by one of them MSME mindset that is not yet in tune with technological developments. MSME businesses can access Islamic financial services products and apply for financing directly without having to go to Islamic finance offices. With this like then can increase financial inclusion and encourage MSME business growth. Using a method Analytic Network Process (ANP) of this research try to decipher the factors which affects the growth of the MSME business MSMEs in the form of Benefit, Opportunity, Cost, Risk criteria and formulate Strategy as acceleration optimize the role of fintech sharia peer to peer lending in encouraging the growth of the MSME business. The results of the analysis of data processing shows the cluster opportunity criteria be the main factor which can given fintech sharia peer to peer lending to encourage the growth of the MSME and the followed by the Benefit, Cost and Risk criteria. Financial education and socialization to MSMEs became the highest agreement of the experts as an effort to optimize the role fintech sharia peer to peer lending in encouraging the growth of the MSME.

References

Abyan, M. A. (2018). Konsep Penggunaan Financial Technology dalam Membantu Masyarakat Sub Urban di Indonesia dalam Melakukan Transaksi Finansial. ResearchGate, (April), 1–8. https://doi.org/10.13140/RG.2.2.36402.30404

Aldila, N. (2019). Tekfin Syariah Sulit Modal Minimal Rp 1 Milyar. Financial.Bisnis.Com, p. 1. Retrieved from https://finansial.bisnis.com/read/20190218/90/890033/tekfin-syariah-sulit-penuhi-modal-minimal-rp1-miliar

Badan Pusat Statistik. (2013). Perkembangan UMKM priode 1997 - 2013 (p. 1). p. 1. Retrieved from www.bps.go.id

Baihaqi, J. (2018). Financial Technology Peer-To-Peer Lending Berbasis Syariah di Indonesia. Tawazun : Journal of Sharia Economic Law, 1(2), 116–132.

Deny, S. (2018, July). Baru 9 Persen UMKM RI Yang Masuk E-Commerce. Www.Liputan6.Com, pp. 1–1. Retrieved from https://www.liputan6.com/bisnis/read/3582327/baru-9-persen-umkm-ri-yang-masuk-e-commerce

Dewan, S. M. N. (2018). Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah. Jakarta.

Fielnanda, R. (2016). Analisis Kesiapan Penerapan Branchless Banking Bank Syariah Dengan Pendekatan Analytic Network Process BOCR (ANP BOCR)). Universitas Islam Negeri Yogyakarta.

Herman. (2019, February). Menkominfo Sebut Layanan Fintech P2P Lending Salah Sasaran. Www.Beritasatu.Com, p. 1. Retrieved from https://www.beritasatu.com/ekonomi/537889/menkominfo-sebut-layanan-fintech-p2p-lending-salah-sasaran

Hermanto, B., & Rasmini, M. (2016). Praktik Bisnnis di Indonesia (1st ed.; B. R.S, Ed.). Retrieved from www.ut.ac.id

Hieminga, G., Lande, F., & Nijboer, F. (2016, October). FinTech for micro , small and medium sized enterprises. ING Economic Department, (October), 1–38.

Jeko I R. (2017, September). peluang dan tantangan fintech ( dalam memperluas akses keuangan). Www.Liputan6.Com, pp. 1–2. Retrieved from https://www.liputan6.com/tekno/read/3109967/meski-potensial-ojk-anggap-startup-fintech-masih-perlu-dibina

LPPI, & BI. (2015). Profil bisnis usaha mikro, kecil dan menengah (umkm) (1st ed.). Jakarta: LPPI.

Luckandi, D. (2018). Analisis Transaksi Pembayaran Menggunakan Fintech Pada UMKM di Indonesia : Pendekatan Adaptive Structuration Theory. Universitas Islam Indonesia.

Marbun. (1996). Manajemen Perusahaan Kecil dilengkapi undang-undang tentang usaha kecil dan daftar istilah manajemen (1st ed.). https://doi.org/658.022-dc.20

Marcellina, A. L. (2012). Analisis Dampak Kredit Mikro Terhadap Perkembangan Usaha Mikro di Kota Semarang (Universitas Diponogoro). Retrieved from http://eprints.undip.ac.id/35985

Muzdalifa, I., Rahma, I. A., & Novalia, B. G. (2018). Peran FINTECH dalam Meningkatkan Keuangan Inklusif pada UMKM di Indonesia (Pendekatan Keuangan Syariah). Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 3(1), 1–24.

OJK. (2019). Perusahaan Fintech Fintech Lending Berizin Dan Terdaftar OJK per 8 April 2019. Jakarta.

Praditya, I. I. (2017, October). kembangkan Industri Fintech, RI Perlu tiru IndiaNo Title. Www.Liputan6.Com, p. 1. Retrieved from https://www.liputan6.com/bisnis/read/3146435/kembangkan-industri-fintech-ri-perlu-tiru-india

Rizal, M., Maulina, E., & Kostini, N. (2018). Fintech As One of the Financing Solution for SMEs. Pemikiran Dan Penelitian Administrasi Bisnis Dan Kewirausahaan, 3(2), 89–100. Retrieved from https://doi.org/10.24198/adbispreneur.v3i2.17836,

Rusydiana, A. S. (2018). Developing Islamic Financial Technology in Indonesia. Hasanudin Economic and Business Review, 2(2), 143–152. https://doi.org/10.26487/hebr.v

Rusydiana, A. S. (2019). Bagaimana Mengembangkan Industri Fintech Syariah di Indonesia ? Pendekatan Interpretive Structural Model ( ISM ). Al-Muzara'ah, 6(2), 117–128. https://doi.org/10.29244/jam.6.2.117-128

Saksonova, S., & Merlino, I. K. (2017). Fintech as Financial Innovation – The Possibilities and Problems of Implementation. European Research Studies Journal, XX(3), 1.

Sari, F., & Tendi. (2019, March). Fintech P2P lending sudah salurkan Pinjaman Rp. 25,92 triliun di Awal Tahun 2019. Keuangan.Kontan.Co.Id, p. 1. Retrieved from https://keuangan.kontan.co.id/news/fintech-p2p-lending-sudah-salurkan-pinjaman-rp-2592-triliun-di-awal-tahun-2019

Setyaningsih, E. D. (2018). Analisis SWOT Implementasi Financial Technology Syariah pada PT Telkom Indonesia. SYI ' AR IQTISHADI, 2(2), 73–91.

Siregar, B. P. (2016, November). Bila tak di awasi, OJK : Fintech Berpotensi Timbul Masalah. Www.Wartaekonomi.Co.Id, p. 1. Retrieved from https://www.wartaekonomi.co.id/read119615/bila-tak-diawasi-ojk--fintech-berpotensi-timbulkan-masalah.html

Tanjung, H., & Devi, A. (2013). Metodologi Penelitian Ekonomi Islam (1st ed.; Gramata Publishing @Meilina Farah Diba, Ed.). Jakarta: Gramata Publishing.

Tanjung, H., & Devi, A. (2018). Metodologi Penelitian Ekonomi Islam (2nd ed.; O. Paskalina, Ed.). Bekasi: Gramata Publishing.

Wijayanti, T. (2018). Pelaksanaan Pemberian Kredit Berbasis Teknologi Informasi Oleh FINTECH Kepada Pelaku UKM ( Studi Pengawasan OJK Surakarta). Universitas Muhammadiyah Surakarta

Downloads

Published

2020-05-16

How to Cite

Hafia, N., Kosim, A. M., & Devi, A. (2020). PERAN FINANCIAL TECHNOLOGY PADA PEMBIAYAAN PEER TO PEER SYARIAH TERHADAP PERTUMBUHAN USAHA KECIL: PENDEKATAN ANALYTIC NETWORK PROCESS. Kasaba: Jurnal Ekonomi Islam, 12(2), 67–80. https://doi.org/10.32832/kasaba.v12i2.3019

Issue

Vol. 12 No. 2 (2019)

Section

Reviewing

License

Penulis memberikan hak cipta karyanya kepada jurnal yang dilisensikan di bawah Lisensi Atribusi Creative Commons yang memungkinkan orang lain untuk menggunakan karya dengan pengakuan kepengarangan karya dan publikasi awal dalam jurnal ini.