<![CDATA[The very rapid development of digital technology has an impact on the development of business systems and capital for micro, small and medium enterprises (MSMEs). This research is library research, the data source used in this research is secondary data sources. This research aims to analyze the Peer to Peer Lending scheme from an Islamic legal perspective. This research concludes that first, Peer to Peer Lending is a company that digitally brings together borrowers who need business capital with lenders (investors). Second, the flow of funds from investors to Peer to Peer Lending Companies which are then distributed to MSMEs is a qardh (loan) agreement. So investors basically act as al-muqridh (lenders), Peer to Peer Lending companies act as investors' representatives in channeling funds to MSMEs, and MSMEs that receive funds are al-muqtaridh (loan recipients). Third, the qardh contract in Peer to Peer Lending is an interest-bearing loan or usury, so it is haram. Likewise, wakalah contracts and fee collection by Peer to Peer Lending providers also follow the qardh law.]]>
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