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All Journal Tazkia Islamic Finance and Business Review
Faishal Hidayat, Muhammad
Unknown Affiliation
Economics, Econometrics & Finance

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How Sharia Rural Banks and Islamic Fintechs Are Partnering for Financial Inclusion: Indonesian Lessons from the Ground Devi, Abrista; Faishal Hidayat, Muhammad; Shindy Nofianti, Ghefira
Tazkia Islamic Finance and Business Review Vol. 19 No. 2 (2025): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v19i2.461

Abstract

This study aims to analyze potential collaboration models between sharia fintech and Bank Pembiayaan Rakyat Syariah (BPRS) in Indonesia and to determine which model offers the highest strategic impact according to expert judgment. Using the Analytic Network Process (ANP), this research evaluates four alternative collaboration models identified through literature review and expert interviews. The first model is Sharia Fintech as a Technology Enabler and Referral Partner, where fintech provides prospective customer referrals to BPRS. The second model is Sharia Fintech as a Technology Enabler and Distribution Channel, functioning as a fund channeling intermediary between BPRS and customers. The third model positions fintech as a technology enabler for creditworthiness assessment, focusing solely on credit scoring activities. The fourth model is Sharia Fintech as a Sharia Peer-to-Peer (P2P) Financing Enabler, in which fintech provides a project marketplace for BPRS to fund, with financing flows conducted through the P2P platform. ANP results show that Model 4 is the most preferred option, while Model 3 is the least recommended. Managerially, BPRS should prioritize Model 4 and establish a joint coordination team with fintech under the supervision of the sharia fintech association.
Co-Authors Abrista Devi Shindy Nofianti, Ghefira