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All Journal Jurnal Manajemen Bisnis Kewirausahaan Equivalent : Journal of Economic, Accounting and Management
Yolanda Salsabila
Unknown Affiliation
Economics, Econometrics & Finance

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Fintech P2P Lending dalam Pandangan Islam Yolanda Salsabila; Juliana Putri
Equivalent : Journal of Economic, Accounting and Management Vol. 3 No. 2 (2025): Equivalent : Journal of Economic, Accounting and Management
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/equivalent.v3i2.1104

Abstract

Abstract : Sharia peer-to-peer (P2P) lending is a fintech innovation that connects funders and borrowers through digital platforms while applying sharia principles such as the prohibition of usury (riba), uncertainty (gharar), and the use of sharia contracts (mudharabah, musyarakah, qardh, wakalah). Sharia P2P lending plays a crucial role in expanding access to financing for MSMEs and communities not reached by conventional banking services in Indonesia. However, its implementation still faces challenges, including unspecific regulations, low sharia financial literacy, limited human resources, as well as suboptimal consumer protection and sharia supervision. With strengthened regulations, education, and sharia-based governance, sharia P2P lending is expected to continue growing and make a significant contribution to sharia financial inclusion and national economic development. Abstrak : Peer-to-peer (P2P) lending syariah merupakan inovasi fintech yang mempertemukan pemberi dana dan peminjam melalui platform digital dengan menerapkan prinsip-prinsip syariah, seperti larangan riba, gharar, dan penggunaan akad-akad syariah (mudharabah, musyarakah, qardh, wakalah). P2P lending syariah berperan penting dalam memperluas akses pembiayaan bagi UMKM dan masyarakat yang belum terjangkau layanan perbankan konvensional di Indonesia. Namun, implementasinya masih menghadapi tantangan berupa regulasi yang belum spesifik, rendahnya literasi keuangan syariah, keterbatasan sumber daya manusia, serta perlindungan konsumen dan pengawasan syariah yang belum optimal. Dengan penguatan regulasi, edukasi, dan tata kelola berbasis syariah, P2P lending syariah diharapkan dapat terus berkembang dan memberikan kontribusi signifikan terhadap inklusi keuangan syariah dan pertumbuhan ekonomi nasional.
Evaluasi Struktur dan Skala Upah (SSU) Menggunakan Metode Overlapping pada UKM Mphoto Studio Bekasi Farah Anindya; Feyza Tiftazani; Yolanda Salsabila; Donita Fahdini Amalina; Ladysa Saskia Siahaan; Nurul Hidayati
JUMBIWIRA : Jurnal Manajemen Bisnis Kewirausahaan Vol. 4 No. 2 (2025): Agustus : Jurnal Manajemen Bisnis Kewirausahaan
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/jumbiwira.v4i2.2544

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a significant role in Indonesia’s economic growth but often face challenges in managing human resources, particularly in implementing fair and efficient compensation systems. This study was conducted at Mphoto Studio, an MSME in Bekasi, to evaluate the wage structure and salary scale of employees, and to analyze the effectiveness of the overlapping method in creating a more proportional and sustainable compensation system. This study applied both qualitative and quantitative methods through interviews and salary mapping analysis conducted between April and June 2025. The findings revealed that the existing wage structure prior to adjustment did not reflect principles of fairness, with most employees earning below the Bekasi city minimum wage. After applying the overlapping method, the salary structure became more systematic, flexible, and aligned with job grades. Despite a 6.6% increase in total salary expenses, the new structure remained within the company’s budget capacity. This study concludes that the overlapping method is an effective and feasible approach for designing compensation structures within MSMEs.
Co-Authors Donita Fahdini Amalina Farah Anindya Feyza Tiftazani juliana putri Ladysa Saskia Siahaan Nurul Hidayati