Pengembangan Model Low Cost Islamic Peer To Peer Financing Berbasis Financial Technology Untuk Akselerasi Kinerja UMKM

S. Utama, Inayatul Ilahiyah
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引用次数: 5

Abstract

Along with the development of technology, financial intermediary institutions in Indonesia also grew with the presence of technology-based financial services provider companies such as peer to peer lending company. The presence of peer to peer lending companies into an opportunity for empowerment of unbankable MSMEs that require funding. This paper examines how the business financing model aplicated by several peer to peer lending companies in Indonesia, as well as make the concept of Islamic peer to peer financing as an alternative for empowering MSMEs through business capital. This research was a qualitative research using library and field research method. The data used in the study are primary and secondary data from various literature relevant to the research discussion and. Data analysis in this research is supported by logic model theory which consist of 6 components that are situation, input, activities, output, outcomes and external factors. The results of the research showed that (1) peer to peer lending model that has been applied in Indonesia has provided access to finance effectively and efficiently, but there are still using risk fund transfer scheme and fixed cost system that will hamper the acceleration of MSMEs. (2) The concept of Islamic Peer to Peer Financing based on profit and loss sharing investment model can be one of the empowerment alternatives that use investment cooperation scheme with no risk fund transfer and fixed cost for MSMEs, so it will maximize the acceleration of MSMEs.
Pengembangan模式低成本伊斯兰点对点融资Berbasis金融技术Untuk Akselerasi Kinerja UMKM
随着技术的发展,印度尼西亚的金融中介机构也随着基于技术的金融服务提供商公司(如对等贷款公司)的存在而发展壮大。对等贷款公司的存在为需要资金的无银行能力的中小微企业提供了赋权的机会。本文研究了印度尼西亚几家对等贷款公司如何应用商业融资模式,并将伊斯兰对等融资的概念作为通过商业资本增强中小微企业能力的替代方案。本研究采用图书馆和田野调查相结合的方法进行定性研究。研究中使用的数据是来自与研究讨论和相关的各种文献的主要和次要数据。本研究的数据分析以逻辑模型理论为支撑,逻辑模型理论由情境、输入、活动、输出、结果和外部因素6个组成部分组成。研究结果表明:(1)印尼已经应用的对等贷款模式有效地提供了融资渠道,但仍在使用风险资金转移计划和固定成本系统,这将阻碍中小微企业的加速发展。(2) 基于损益分担投资模式的伊斯兰对等融资概念可以成为中小微企业使用无风险资金转移和固定成本的投资合作方案的赋权替代方案之一,因此它将最大限度地加快中小微企业的发展。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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