Potensi Finansial Teknologi Syariah Dalam Menjangkau Pembiayaan Non-Bank

Prestama, Fawzi Bhakti; Iqbāl, Muḥammad; Riyadi, Slamet

doi:10.15548/al-masraf.v4i2.264

Cited by 9 publications

(23 citation statements)

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“…Fintech syariah merupakan bagian yang tak terpisahkan dari industri fintech nasional juga berperan dalam mendorong pertumbuhan UMKM di Indonesia. Fintech syariah turut mendorong penyaluran pendanaan berbasis syariah diberbagai daerah di Indonesia yang hampir seluruh nasabahnya adalah UMKM (Prestama et al, 2019). Dengan kata lain, fintech syariah memiliki potensi dalam mendorong inklusi keuangan melalui pemenuhan kebutuhan pada segmen pasar yang nonbankable.…”

Section: Pendahuluanunclassified

“…Dibanding dengan lembaga keuangan lainnya, fintech (syariah) memiliki beberapa keunggulan, seperti: kemudahan, kecepatan, dan jangkauan (Mukhlisin, 2019;Prestama et al, 2019). Meskipun demikian, keberadaan fintech tidak luput dari berbagai permasalahan.…”

Section: Pendahuluanunclassified

“…Meskipun demikian, keberadaan fintech tidak luput dari berbagai permasalahan. Dari aspek aturan, regulasi tentang fintech masih sangat minim dibandingkan dengan regulasi lembaga keuangan lainnya (Hiyanti et al, 2020;Prestama et al, 2019;Rusydiana, 2018). Belum lagi dari aspek aturan syariah yang masih memerlukan banyak amademen terhadap aturan-aturannya (Ulya, 2018).…”

Section: Pendahuluanunclassified

“…Pertama, kemampuan fintech syariah dalam mengoptimalisasikan teknologi yang dimiliki. Hal ini dikuatkan oleh temuan (Hiyanti et al, 2020;Prestama et al, 2019;Rusydiana, 2018). Kemajuan teknologi mampu mengurangi waktu tunggu, lalu lintas jalan dan antrian transaksi (Mukhlisin, 2019).…”

Section: Pembahasanunclassified

“…Permasalah klasik kedua adalah sosialisasi dan promosi. Temuan ini juga dikuatkan oleh penelitianpenelitian sebelumnya, terkait rendahnya tingkat literasi dan inklusi masyarakat akan lembaga keuangan syaiah, terlebih fintech syariah (Hiyanti et al, 2020;Minerva, 2016;Muzdalifa et al, 2018;Prestama et al, 2019), di mana salah satu penyebabnya kurang sosialisasi dan promosi. Kelemahan ketiga yang ditemui adalah keterbatasan sarana dan prasara pendukung fintech syariah.…”

Section: Pembahasanunclassified

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Upaya Fintech Syariah Mendorong Akselerasi Pertumbuhan UMKM di Indonesia

Saripudin

Nadya

Iqbāl

2021

JIEI

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Compared to other Islamic financial institutions, Islamic Fintech has some advantages in accelerating the growth of SME Enterprises in Indonesia. Nevertheless, the existence of Islamic Fintech is not free from various problems, such as regulation aspect, human resources aspect, also perception of society and potential fraud. This research sought to find solution of the problems with SWOT analysis, then comparing the aspects each other to find out strategies in the effort of growing Islamic fintech for accelerating SME Enterprises. The results are some strategies consisting of, first, ecosystem strengthening between Islamic Fintech, government, academics and civil society, including Islamic Fintech customers and Islamic Banks. Second, optimalization potential of Islamic Fintech in managerial skills also Islamic contracts capacity. Last, massive and targeted socialization and promotion of Islamic Fintech.

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Section: Pendahuluanunclassified

Section: Pembahasanunclassified

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Upaya Fintech Syariah Mendorong Akselerasi Pertumbuhan UMKM di Indonesia

Saripudin

Nadya

Iqbāl

2021

JIEI

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The Polowijen Cultural Village Sector of Halal Destinations as A Medium for Regional Economic Resilience Post Covid-19 Pandemic

Yudha,

Febriyanti,

Rofiqoh

2023

ECO

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This research aims to determine the potential and opportunities of the area as well as the readiness of the Polowijen Cultural Village sector to become a halal tourism area and provide a strategic evaluation. This research uses a descriptive qualitative approach. Primary data sources and some secondary data as research data sources dominate this research. The data analysis techniques used by researchers in formulating strategies is the strategic environmental analysis and SWOT analysis. The results of the research show that the current readiness of the Polowijen Cultural Village Tourism sector is inadequate for Islamic tourism. The lack of public facilities and supporting facilities for tourists is the most important factor in implementing Sharia tourism. Further research results show that Polowijen Cultural Village tourism is in quadrant III (Turn Around). Suggestions that are relevant to these results are that the Malang village and district governments need to work together by publishing via social media, issuing special regulations from the village, sub-district to central levels regarding investment, and developing educational and literacy aspects about halal tourism. Suggestions that are relevant to these results are that the Malang village and district governments need to work together by publishing via social media, issuing special regulations from the village, sub-district to central levels regarding investment, and developing educational and literacy aspects about halal tourism.

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Sharia e-commerce in Indonesia: Sharia peer to peer lending

Sari

2023

RISFE

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Purpose – This article discusses the increasingly rapid development of the sharia e-commerce in Indonesia, focusing on FinTech peer to peer lending sharia.Methodology – This article uses qualitative methods and literature research (library research), with descriptive analysis techniques related to sharia FinTech lending in Indonesia, as well as a statutory approach, which is classified based on hierarchy and sources of law by comprehensive review.Findings – The theme of this article is that Islamic FinTech lending seeks to understand better how vital economic innovation is needed by society because FinTech lending is a new platform for fast and practical financial transaction services. However, although the Financial Services Authority (Otoritas Jasa Keuangan, OJK) has made FinTech lending regulations, no specific rules explicitly mention sharia FinTech lending. So there is still a possibility that some elements are different from Islamic sharia. So, of course, special regulations regarding sharia FinTech lending are urgently needed so that they follow Islamic laws. Implications – This article is useful, apart from adding to the repertoire, it can also be a means for studying financial service platforms in Indonesian society and can be used as reference material for further research in the same field.Originality – This article contributes to various financial service platforms to continue to improve and innovate in sharia-based financial activities, as well as provide an understanding to the wider community regarding the ease of accessing these sharia financial services

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Potensi Finansial Teknologi Syariah Dalam Menjangkau Pembiayaan Non-Bank

Cited by 9 publications

References 0 publications

Upaya Fintech Syariah Mendorong Akselerasi Pertumbuhan UMKM di Indonesia

Upaya Fintech Syariah Mendorong Akselerasi Pertumbuhan UMKM di Indonesia

The Polowijen Cultural Village Sector of Halal Destinations as A Medium for Regional Economic Resilience Post Covid-19 Pandemic

Sharia e-commerce in Indonesia: Sharia peer to peer lending

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