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All Journal Rayah Al Islam : Jurnal Ilmu Islam Indo-Fintech Intellectuals: Journal of Economics and Business
Khoiriyah, Ahyadatul
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Peran Fintech Peer to Peer Lending Syariah dalam Meningkatkan Akses Pembiayaan UMKM di Indonesia Khoiriyah, Ahyadatul; Ansori, Miswan
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 4 No. 4 (2024): Indo-Fintech Intellectuals: Journal of Economics and Business
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v4i4.1586

Abstract

This paper examines the role of Fintech Peer-to-Peer (P2P) Lending Sharia in enhancing financing access for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. The objective is to explore how P2P Lending Sharia facilitates MSMEs in securing necessary capital and offers investment opportunities in compliance with Sharia principles. The methodology involves a review of existing literature and regulatory frameworks, including the principles outlined by the OJK and DSN MUI. Findings reveal that P2P Lending Sharia provides an efficient, cost-effective, and accessible financial solution, enabling MSMEs to expand their market reach and improve business capacity. It also offers investors a Sharia-compliant alternative to traditional financing. The significance of these findings lies in the potential of P2P Lending Sharia to support MSME growth, strengthen the real sector, and contribute to national economic development, while adhering to Islamic financial principles. This innovation is essential in bridging the financing gap and fostering economic inclusivity
Analisis Pembiayaan Multimanfaat Dengan Akad Murabahah Bil Wakalah Berdasarkan Fatwa DSN MUI Khoiriyah, Ahyadatul; Miswan Ansori; Wahidullah
Rayah Al-Islam Vol 9 No 1 (2025): Rayah Al Islam Februari 2025
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat, Sekolah Tinggi Ilmu Bahasa Arab Ar Raayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37274/rais.v9i1.1440

Abstract

This study analyzes the implementation of the murabahah bil wakalah contract in multi- benefit financing at BTN Syariah KCPS Kudus and assesses its compliance with the DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabahah and No. 10/DSN-MUI/IV/2000 concerning Wakalah. The method used in this study is qualitative with data collection techniques being interviews with related parties, namely Financing Service, Operation Staff, and Sub Branch Head, as well as direct observation of the contract process and supervision of implementation in the field. The results of the study indicate that the murabahah bil wakalah contract has been implemented in accordance with the sharia principles stipulated in the DSN-MUI fatwa, especially in terms of clarity of the contract, determination of selling price, and financing mechanism. However, there are several challenges faced, especially in terms of ownership of goods before selling to customers and monitoring the use of funds to ensure that they are in accordance with the objectives of the contract. As an implication, this study recommends strengthening transaction verification mechanisms, increasing transparency in ownership of goods before being sold to customers, and more effective education strategies for customers to ensure compliance with sharia principles.
Co-Authors Ansori, Miswan Wahidullah