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All Journal Jurnal Ekonomi dan Manajemen (JEKMA) Jurnal Ilmiah Multidisiplin (JUKIM) Jurnal Abdi Masyarakat Multidisiplin International Journal Multidisciplinary Science Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Sinergi : Jurnal Ilmiah Multidisiplin
Immi Fiska Tarigan
Universitas Gunadarma
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Physics Social Sciences

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Peran Fintech dalam Meningkatkan Inklusi Keuangan di Tengah Resesi Ekonomi immi Fiska Tarigan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 5 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i5.7384

Abstract

Financial Financial inclusion supports sustainable economic growth, particularly in developing countries. Economic challenges, such as recessions, can exacerbate disparities in access to formal financial services. Low-income communities and micro-enterprises face increasing difficulties in obtaining financial support. Financial technology (fintech) has emerged as an innovative solution, expanding financial access through flexible and accessible digital services. This study aims to analyze the role of fintech in enhancing financial inclusion amid economic recessions while identifying the challenges and opportunities within the fintech industry. The research employs a qualitative descriptive method with a literature review approach. Data is sourced from academic journals, industry reports, and regulations related to fintech and financial inclusion. The findings indicate that fintech contributes to financial inclusion through digital payment services, peer-to-peer (P2P) lending, technology-based investments, and microinsurance. However, challenges such as regulatory constraints, data security, and financial literacy remain obstacles to optimizing fintech’s role. This study concludes that fintech plays a strategic role in promoting financial inclusion during economic recessions. Collaboration among regulators, fintech service providers, and the public is essential to ensure the sustainable, secure, and inclusive utilization of fintech.
Co-Authors AA Sudharmawan, AA Alim Rahman Hakim Andre Pratama Adiwijaya Ayanto, Hana Kamilia Faisal H Batubara Felisia, Raden Roro Shinta Kuncara, Tommy Nia Yuningsih Sri Wahyu Handayani Sukmono, Sigit Tommy Kuncara Wisnu Sukma Maulana