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All Journal Labatila: Jurnal Ilmu Ekonomi Islam Indo-Fintech Intellectuals: Journal of Economics and Business
Thayib, Syarif
Unknown Affiliation
Humanities Economics, Econometrics & Finance Social Sciences

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DAMPAK LAYANAN FINTECH LENDING ATAU PEER TO PEER LENDING shoim, abdurrozaq; Thayib, Syarif
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 2 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i2.2426

Abstract

Kemajuan teknologi di sektor keuangan menjadi salah satu faktor munculnya keuangan digital atau layanan fintech (financial technology), yang juga semakin lama semakin banyak. Kemudian dibarengi dengan semakin meningkatnya kebutuhan masyarakat, layanan fintech tersebut semakin berkembang dengan munculnya layanan Fintech (Finansial Teknologi) Atau Peer To Peer (P2P) Lending. Banyak yang merasa terbantu di awal melalui kemudahan dalam mendapatkan bantuan finansial atau pinjaman uang. Tetapi di kemudian hari banyak yang menyesal karena merasa dirugikan dengan bunga yang relatif banyak oleh layanan fintech lending tersebut dan lain sebagainya. Kemudian peneliti ingin mengetahui lebih dalam apa yang menjadi masalah bagi konsumen dalam layanan fintech lending tersebut. Dengan melakukan penelitian menggunakan metode Systematic Literature Review.
Identifikasi Risiko Teknologi Informasi Pada Layanan Umroh Digital di Indonesia niswaaa, Niswa Kamila; Thayib, Syarif
LABATILA : Jurnal Ilmu Ekonomi Islam Vol 9 No 02 (2025)
Publisher : Lembaga Penelitian dan Pengembangan Masyarakat IAINU Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/lab.v9i02.2808

Abstract

The advancement of information technology has driven digital transformation across various sectors, including religious services such as umrah pilgrimage management. In Indonesia, digital umrah services provide increased efficiency and accessibility through online platforms that cover registration, payment, training, and post-journey reporting. However, this transformation also introduces complex information technology risks that require serious attention. This study aims to identify key risks emerging from digital umrah services, including data security threats, system disruptions, digital fraud, non-compliance with sharia principles, and digital literacy gaps. A descriptive qualitative approach was applied using literature review as the primary method, with content analysis employed to examine relevant academic and regulatory sources. The findings indicate that digital umrah services require a comprehensive risk management system, stronger regulatory frameworks, robust personal data protection, enhanced digital literacy, and strict adherence to sharia principles throughout service operations. These insights are expected to serve as a foundation for developing safer, more inclusive, and religiously compliant digital pilgrimage services.
Co-Authors niswaaa, Niswa Kamila shoim, abdurrozaq