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Journal : Jurnal Reviu Akuntansi dan Keuangan

SYNERGY OF SHARIA BANKS AND FINANCIAL TECHNOLOGY IN THE DEVELOPMENT OF MICRO, SMALL AND MEDIUM BUSINESSES IN INDONESIA Haris, Muhammad; Iqbal, Muhammad; Hadiyati, Puji
Jurnal Reviu Akuntansi dan Keuangan Vol 10, No 1: Jurnal Reviu Akuntansi dan Keuangan
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1128.818 KB) | DOI: 10.22219/jrak.v10i1.11258

Abstract

ABSTRACTThe purpose of this study is to analyze the synergy between sharia bank and fintech to effort and develop micro, small and medium enterprises (MSMEs) in Indonesia. Data and information were obtained through interview to expert respondents in their fields such as BNI Syariah, Ammana Fintek Syariah and the Otoritas Jasa Keuangan (OJK). This study has been conducted from July 2018 to March 2019. To provide a deep understanding, this study uses a qualitative approach. The results of the study to show that the opportunity to create synergy between Sharia Bank and Sharia Fintech in order to develop MSMEs in Indonesia is still very wide open. This synergy can be done through several existing patterns or synergy models, including through cross-selling schemes, channeling, references, shadow investors, outsourcing platform and Fintech consortium. The benefits of this synergy include empowering MSMEs, facilitating financial services that are practical, comfortable, safe, have speed, sophistication and up-to-date and are more efficient. The challenges ahead are in terms of human resources competence and support from regulators for policy relaxation. Risks that must be properly mitigated from these synergies, such as the risk of credibility, technology, default and operations.KEYWORDS: Financial Technology (Fintech); Micro; Small and Medium Enterprises; Sharia Bank, Synergy.
Co-Authors Abdul Hoyyi Abrar, Muhammad Fadhel Ach. Baidowi Ade Winarni Adi Nugroho, Ariyanto Adilah, Ananda Refiona Agus Subekti Agus Subekti Ahmad, Israr Akasy, Andi Haris Munandar Akmaluddin Akmaluddin Akmaluddin Akmaluddin Al-Qadri, M. Yoesril Ali, Zulfiqar Alimuddin, Dwisya Alika Nur Ramadhani AM., Nur Fadilah AMELIA RAHMANIAH, AMELIA Aminuddin, Muliadi Andi Alifuddin Andi Zulherry Andra, Muhammad Bagus Anshori, Ahmad Maulana Ansori, Teguh Aprilia , Siti Norriezka ARDIANSYAH ARDIANSYAH Aries Saifudin Aries Suharso Arif Ismunandar Arifin, Ta’jul Arifin, Winarno Arnur, Irsyan Asyrafurrahim, Muhammad Athiyyah, Vina Sa'adatul Atina Shofawati, Atina Atthariq, Atthariq Badaron, St. Fauziah Batari, Ummi Humairah Bayu Indra Laksana Bizli, Fikramul Budi Rahmat Hakim Budyarsih, Zaldza Prucha Chaerani, Andi Ummul Dwi Nurul Huda E Haodudin Nurkifli Elfrida Ratnawati Elpatino, Thomas Eni Heni Hermaliani, Eni Heni Fatahillah, Andi Indra fatimah Fatimah Fatmawati, Amelia Febriawan Fiandi Firdaus, Alif Firdaus, Muh Adhi Rajha Ahmad Gecong, Alimin Ghaffar, Abid H, Ikhwanul Muslimin Haris, A. Muh. Fadel Hasanah, Wilda Rahmah Hasbi Yasin Hendrawan Hendrawan HENDRAYANI, MORALELY Hermawan, Panji Triyanu Hidayatul Mufidah Hudayanti, Anural Husna, Hidayatul Jalaluddin Jalaluddin Jarwanto, Dwi Khansa A, Dea Rosatikah Latif, Andi Amin Limbong, Isman Efendi Lukito Prasetyo M. Rafi Mahlil, Mahlil Mahmud, Hafini bin Mahmud, Hamdan Malik Ibrahim Mallombasi, Ali Mandasari, Yunita Dwi Manickam, Geethalakshmi Mansyuroh, Firqah Annajiyah Manurung, Mangaraja Marasabessy, Sapia Mas’od, M. Mochtar Mayasari Mega Suteki Meilina, Duwi Mhd Gilang Suryanata Misfadhila, Sestry Mochammad Rizki Romdoni Mokhtar, Wan Khairul Aiman Wan Mokodenseho, Sabil Muh. Ikbar, La Ode. Muhammad Fikri Muhammad Ichsan Mulia Putra Mursyidah Mursyidah Mursyidin Musa, Ratna Musallamah, Andi Muttaqin Muttaqin Novarinoaly, Favian Novrida Nursalim Imron, Muhammad Prayoga, Muhammad Imam Puji Hadiyati Putri, Amaliyah Rezkiyanti R, Rinovian Rabbani, Hilmi Rabiatul Adawiyah Rahamaniah, Siti Rahamaniah1* Rajhendra, Reza Rambe, M. Islami Rani Bastari Alkam, Rani Bastari Rauf, Nur Inayah Ridani, Muhammad Noor RKT, Rofidah Romdoni, Moch. Rizki Rustan Efendi Safitri, Liza Sahitua, Aldi SAR, Mas'ud SAR, Mas’ud Sari Wulandari Saswini, Andi Ade Ula Semariyati, Desy Sri Senna C., A. M. Ayrton Setiawan, Prayudhi Trisda Shafiq, Muhammad Sinaga, Yeni Yasyah Sinyo, Nurjaenatul Janna Siska Rahmadani Siti Mayang Sari Sudwikatmono, Muh. Sulastri, Nur Arsy Risna Suratno, Eddy Suryawan, Ari Syahrani Syaidatul Soffa, Anggita Syamsuddin, Aulya Purwanengsy Syarif Hidayatullah, Muhammad Syuhada, Rahmad Tantu, Andi Fitriani Uswatun Hasanah Vitri, Vivi Sepda Waaritshasan S., Abdul Wahyuni, Derlin Sri Watono Wellang, Musyafir Yati Rohayati, Yati Yefni Yefni, Yefni Yetri, Milfa Yunita Sopiana Yunus , Arhamudin Hi. Yusuf, Aldi Zada, Mohd Ziaolhaq Qazi Zaifuddin Zulfikar , Ahmad Zulmhi, Andi Muh Nizar