Upaya Fintech Syariah Mendorong Akselerasi Pertumbuhan UMKM di Indonesia

Abstract

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.

The Role of Sharia Fintech in Improving Halal Financial Inclusion in Msmes in Indonesia

“…This figure shows the enormous potential of the existence of fintech in Indonesia, where more than 99% of borrowers from fintech are MSMEs. So there is no doubt that Islamic fintech has a very large role in encouraging the growth of MSMEs in Indonesia (Nadya & Iqbal, 2021).…”

Fintech Syariah: Kolaborasi Teknologi dan Moral sebagai Instrumen Pembiayaan di Masa Depan

“…Mengacu pada aturan Otoritas Jasa Keuangan Indonesia, fintech saat ini yang mendapatkan ijin ada beberapa sektor. Disebutkan fintech apa saja yang dapat beroperasional di Indonesia., yakni payment, aggregator, personal or financial planning, crowdfunding, dan lending.Dan berdasarkan data OJK pemain fintech yang paling rimbun adalah dari katagori payment, angkanya mencapai 42,22% dari keseluruhan fintech yang berada (Saripudin et al, 2021). Dan dimasa mendatang persentase atau bagian ini tentunya akan terus meningkat.…”

Analysis of User Reviews on the Use of Fintech Dana Syariah

“…Sharia fintech is a form of financial technology that is growing rapidly in Indonesia (Hiyanti et al, 2019;Muzdalifa et al, 2018;Rahmawati et al, 2020). Sharia fintech offers financial solutions based on sharia principles that meet the needs of the Muslim community (Narasati, 2020;Saripudin et al, 2021;Wahyuni, 2019). The emergence of fintech in Indonesia is marked by the emergence of various fintech companies from the micro and medium levels (Fauji & Widodo, 2020;Riansyah et al, 2018;Wardhana, 2022).…”