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All Journal Al-Mustashfa MAHKAMAH: Jurnal Kajian Hukum Islam BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat MUAMALATUNA Tsarwah : Jurnal Ekonomi dan Bisnis Islam Jurnal Ekonomi Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jurnal REKOMEN (Riset Ekonomi Manajemen) Tazkiyya: Jurnal Keislaman, Kemasyarakatan dan Kebudayaan Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Febriyani, Dian
UIN Sultan Maulana Hasanuddin Banten
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Financial Technology Analysis for MSMEs Based on Sharia Peer To Peer Lending Dian Febriyani; Mahfud; Jamaluddin; Suliyati
Jurnal Riset Ekonomi Manajemen (REKOMEN) Vol. 8 No. 1 (2025): REKOMEN (Riset Ekonomi dan Manajemen)
Publisher : Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rekomen.v8i1.1792

Abstract

This research is aligned with the advancement of Financial Technology (FinTech) in Indonesia. FinTech provides a convenient option for the general public to carry out financial transactions online, including meeting the financial needs of Micro, Small, and Medium Enterprises (MSMEs). One of the challenges faced by MSMEs is difficulty in accessing traditional financial institutions. This problem can be resolved through the advancement of FinTech in Indonesia, namely through the establishment of FinTech Shariah as a startup that offers a platform for connecting funders and entrepreneurs seeking money using the sharia system. This research methodology employs qualitative descriptive research by observing the website of a FinTech Peerto-Peer (P2P) lending company in Indonesia, specifically focusing on seven companies listed in the Financial Services Authority. Additionally, interviews with UMKM (Micro, Small, and Medium Enterprises) are conducted to gather information pertaining to the utilization of Sharia-compliant FinTech by MSMEs. The research findings revealed that out of the 50 informants who were thoroughly analyzed, only 2% utilized Fintech peer-to-peer lending shariah as their corporate lending institution. Additionally, the majority of the informants were unaware of and lacked understanding regarding the application of fintech peer-to-peer lending shariah for their corporate financing needs. There should be a boost in Sharia FinTech financial literacy for MSMEs in order for them to fulfill their financing requirements through Sharia Fintech Peer-To-Peer Lending (P2P).
Co-Authors Ahmad Sanusi Atikah, Ika Edy Setyawan Elsa Elsa Elsa Elsa Elsa Elsa Elsa Farhan Firdaus Fitri Raya Hadiat Hadiat Hadiat, Hadiat Ida Mursidah Ika Atikah Jamaluddin Jamaluddin Ma'mun Nawawi Mahfud Muhamad Fadli Azim Muhamad Turmudi Rasidah Novita Sari Ratu Humaemah Rezky Mehta Setiadi Siti Marfu’ah Sofiatur Rohmah Suliyati Supriatna Supriatna Suryani Usman Mustofa