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Muhammad Fauzan
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muhammadfauzan665@gmail.com
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mankeu.ingreat@gmail.com
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Jl. Prof. M. Yamin, S.H. Tembilahan - Riau
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INDONESIA
MANKEU (JURNAL MANAJEMEN KEUANGAN)
Published by Indragiri Research Center
ISSN : -     EISSN : 2988246X     DOI : https://doi.org/10.61167/mnk.v1i2
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
MANKEU ini fokus pada pengembangan Ilmu Pengetahuan Manajemen Keuangan yang merupakan wadah untuk publikasi ilmiah dan media pertukaran informasi serta karya ilmiah bagi para akademisi. Jurnal ini diterbitkan oleh Lembaga Penelitian Indragiri Research Center (Ingreat) di bawah naungan Yayasan Alfaizan Putra Harapan Indragiri. Di mana dalam setahun karya ilmiah yang diterbitkan empat kali yaitu Bulan Januari-Maret, April-Juni, Juli-September, Oktober-Desember. Diharapkan dengan adanya MANKEU ini dapat memperluas dan meningkatkan kinerja akademis dan pengembangan ilmu Manajemen Keuangan. General Focus and Scope dari Jurnal Manajemen Keuangan (MAKEU) berupa artikel hasil penelitian atau gagasan konseptual dalam ruang lingkup Manajemen Keuangan (Analisa Laporan Keuangan, Analisa Kinerja Keuangan, Manajemen Investasi, Analisa Portofolio).
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 4 Documents
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Search results for , issue "Vol. 2 No. 3 (2024): MANKEU (JURNAL MANAJEMEN KEUANGAN)" : 4 Documents clear
REVIEW OF TYPES OF FINANCIAL TECHNOLOGY (FINTECH) IN INDONESIA: UNDERSTANDING SERVICES AND THEIR IMPACT Mardiana; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 2 No. 3 (2024): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v2i3.219

Abstract

This study aims to identify the various types of financial technology (fintech) operating in Indonesia and analyze their impact on financial inclusion. Utilizing literature review and secondary data analysis from reputable sources, the research reveals that a diverse range of fintech, including digital wallets, peer-to-peer lending, crowdfunding, digital banks, and market aggregators, has seen significant growth in Indonesia. Each fintech type offers unique services that enhance the accessibility of financial services for the public, particularly for underserved segments of the population. The findings indicate that digital wallets have become a popular choice for daily transactions, facilitating payments and enhancing user convenience. Peer-to-peer lending platforms provide crucial financing options for individuals and small businesses who may struggle to access traditional bank loans. Crowdfunding enables entrepreneurs to raise capital from a wide audience, fostering innovation and community support. Moreover, the study highlights the varying business models within the fintech landscape, which include transaction fees, interest income from loans, and partnerships with merchants. These models illustrate the adaptability of fintech solutions in responding to the evolving needs of consumers. By shedding light on the dynamics of the fintech industry and its role in promoting financial inclusion, this research contributes valuable insights for stakeholders, including policymakers, industry players, and consumers. The study underscores the importance of fostering a supportive regulatory framework to ensure sustainable growth and responsible innovation in the fintech sector in Indonesia.
ANALYSIS OF FINTECH PEER-TO-PEER (P2P) LENDING APPLICATIONS IN IMPROVING FINANCING ACCESS FOR MSMEs IN INDONESIA Lilis Karlina; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 2 No. 3 (2024): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v2i3.220

Abstract

This study aims to analyze the role of peer-to-peer (P2P) lending fintech applications in improving access to financing for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Using qualitative methods, this study explores several leading fintech applications, including Modalku, Kredivo, Akseleran, and ALAMI Funding Syariah. The results show that these applications provide fast, easy, and transparent financing alternatives for MSMEs that often experience difficulties in obtaining capital from traditional financial institutions. Furthermore, this study identifies differences in business models, market segments, and the benefits and risks faced by users and investors. These findings are expected to provide insights for stakeholders, including the government, industry players, and the public, in efforts to increase financial inclusion in Indonesia. With a better understanding of P2P lending applications, it is hoped that a more inclusive and sustainable financial ecosystem can be created, contributing to national economic growth.
THE ROLE OF FINTECH APPLICATIONS IN IMPROVING INVESTMENT EASE IN INDONESIA M. ILHAM TANJUNG
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 2 No. 3 (2024): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v2i3.221

Abstract

The development of financial technology (fintech) in Indonesia has transformed how people invest by providing accessibility, transparency, and efficiency in digital financial management. This study aims to analyze the roles of two major fintech applications, Bibit and Indodax, in facilitating investment access and improving digital financial literacy among users. The research employed a literature review and descriptive observation method using data from the Financial Services Authority (OJK), Commodity Futures Trading Regulatory Agency (BAPPEBTI), academic publications, and official company reports. The results show that Bibit excels in user-friendliness and investment education, while Indodax emphasizes flexibility in crypto-asset trading. Both contribute positively to the expansion of digital financial inclusion, although they differ in risk levels. In conclusion, fintech-based investment platforms play a crucial role in promoting more inclusive, efficient, and secure investment practices, yet continuous financial literacy improvement is necessary to ensure responsible risk management among users.
CROWDFUNDING AS A MEANS OF LITERACY AND FINANCIAL INCLUSION IN THE COMMUNITY DESMITA SARI
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 2 No. 3 (2024): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v2i3.222

Abstract

The development of financial technology (fintech) has brought significant changes to the global financial system, including in Indonesia. One of the most rapidly growing innovations is crowdfunding, a public-based funding mechanism conducted through digital platforms. This study aims to explain the role of crowdfunding as a tool to enhance financial literacy and inclusion in the digital era. The research employs a qualitative descriptive literature study approach, utilizing academic references, OJK reports, and case studies of Indonesian crowdfunding platforms such as KitaBisa, GandengTangan, and Bizhare. The results indicate that crowdfunding functions not only as an alternative financing source but also as an educational medium that strengthens public understanding of financial transparency, risk management, and social responsibility. Furthermore, crowdfunding promotes financial inclusion by providing access to capital for underserved groups outside the formal banking system. Therefore, crowdfunding plays a strategic role in fostering an inclusive, transparent, and participatory financial ecosystem.

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