Bagaimana Mengembangkan Industri Fintech Syariah di Indonesia? Pendekatan Interpretive Structural Model (ISM)

Rusydiana, Aam Slamet

doi:10.29244/jam.6.2.117-128

Cited by 36 publications

(45 citation statements)

References 6 publications

(8 reference statements)

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“…The Vloan case is one of the situations where debt collectors threaten customers through electronic media. 30 Several other similar cases were reported by the mass media and followed up by the Indonesian National Police. If it is related to criminal aspects such as threatening, committing acts of violence, then the task of the Indonesian National Police is to handle it.…”

Section: B Consumer Protection Regimementioning

confidence: 68%

Financial Service Technology in Indonesia: Between Free Market Regime and Consumer Protection

Hamzah¹

2020

Fiat Justisia

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The free market era provided uninterrupted traffic in goods and services throughout the world, and was initially formed to offer benefits. Although there were still protests in technical problems and rising disputes that led a sue to legal institutions, countries agreed to maintain the free market. As a counterpart, the free market cannot ignore consumer’s protection as a standard of service. The liability development between consumer and producer relationship arranged from caveat emptor, to caveat vendor and finally to strict liability in the consumer protection system, implies disclosure of information on products and services. This research faces the legal theory of a free market regime with the theory of consumer’s protection law. This research proceeds to discuss two main issues. The first issue is an essential of Financial Technology or Fin-tech of services. The second issues is the influence of Fin-tech on the free market and consumer protection. Research uses a normative legal research method and the data obtained are secondary data from literary sources such as literature, articles and internet sites. Results of the analysis shows; first, the free market regime is both an opportunity as well as a challenge, therefore it is still worth to maintain. The consumer protection’s regime is the balance point of the free market’s regime. Theoretically, consumer’s protection must be used as a tool to protect the consumer’s interests. Moreover, it could manage the behaviour of service providers. Secondly, the role of the Financial Services Authority is a key to ensuring that balance is still on maintained. Supervision and determination of financial service providers broadly provide information for the public to choose carefullyof their necessity financial services

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Section: B Consumer Protection Regimementioning

confidence: 68%

Financial Service Technology in Indonesia: Between Free Market Regime and Consumer Protection

Hamzah¹

2020

Fiat Justisia

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“…In addition, according to Rusydiana (2018) one of the core problems of the development of the Islamic financial technology industry is the lack of availability of Human Resources (HR), especially HR in the field of digital marketing and big data management. Therefore it is necessary to improve education and the quality of integrated HR between educational institutions, government and industry that focus on this field.…”

Section: Strategy For Halal Msmesmentioning

confidence: 99%

THE ROLE OF INVESTMENT-BASED ISLAMIC CROWDFUNDING FOR HALAL MSMEs: EVIDENCE FROM INDONESIA

Abdullah

Susamto

2019

Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah

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Investment-based crowdfunding can be used as an alternative financing tool for Micro, Small and Medium Enterprises in Indonesia. Since the population in Indonesia is dominated by Muslim, Islamic financial technology companies that provide crowdfunding services are continue to emerge and develop. The development of these services also encourages the progress of the halal industry because both have integrated relationships. However, not all funding campaigns for crowdfunding services are successful. This study aims to analyze the development of Islamic crowdfunding business in Indonesia and factors affecting the success of funding campaigns in these services using multiple linear regression methods. Primary data obtained through interviews and literature review while secondary data is collected from 39 funding campaigns in 4 Islamic crowdfunding online services. It was found that the regulation of Islamic financial technology did not yet exist though in practice it was already widely found. On the other hand, crowdfunding models in Indonesia still need improvement in its scheme. By using a quantitative approach, it was found that funding target, campaign duration, payback periods and rate of return have a positive effect on campaign success, while a minimum amount of investment has a negative effect which means the minimum amount of investment available in the crowdfunding service is appropriate. After conducting research with a qualitative and quantitative approach, SWOT analysis was conducted at the end of the study to find out the challenges and opportunities for the halal industry in utilizing such Islamic crowdfunding service.

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“…To support and extend financial inclusion there is a platform that develop information technology that is Fintech or Financial Techology (Makina, 2019). Fintech is a technologybased business that competes or collaborates with financial institution (Rusydiana, 2019). In another definition, (Lee & Teo, 2015) states that Fintech refers to financial service or innovative product that is delivered by new technology.…”

Section: Introductionmentioning

confidence: 99%

Fin-Tech, Financial Inclusion, and Sustainability: a Quantitative Approach of Muslims SMEs

Nurohman

Kusuma

Narulitasari

2021

IJIBE

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Sustainability of Small and Medium Enterprises (SMEs) is very important to be noted or observed. Because the majority of Indonesia�s population is Muslim and many of them are SMEs Actors. This study aim to provide empiric proves about the relation among financial technology (Fintech), financial inclusion, and sustainability muslims SMEs in Solo Raya area. This study uses quantitative approach. Analysis instrument used in this study is Partial Least Square (PLS). All data in the study are collected by handing out questionnaires to 96 SMEs owners who are Muslim chosen with accidental sampling technique. The result of this study shows that there is a positive relation between financial technology and financial inclusion. Financial technology also have positive relation toward the sustainability of SMEs. Besides that, financial inclusion also have positive relation with the sustainability of SMEs. With these results, it is expected that could give more viewpoint to the Government to give a convenient access and support the existence and sustainability of SMEs

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Bagaimana Mengembangkan Industri Fintech Syariah di Indonesia? Pendekatan Interpretive Structural Model (ISM)

Cited by 36 publications

References 6 publications

Financial Service Technology in Indonesia: Between Free Market Regime and Consumer Protection

Financial Service Technology in Indonesia: Between Free Market Regime and Consumer Protection

THE ROLE OF INVESTMENT-BASED ISLAMIC CROWDFUNDING FOR HALAL MSMEs: EVIDENCE FROM INDONESIA

Fin-Tech, Financial Inclusion, and Sustainability: a Quantitative Approach of Muslims SMEs

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