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

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...

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Autores principales:	Satria Utama, Inayatul Ilahiyah
Formato:	article
Lenguaje:	AR EN ID
Publicado:	Universitas Darussalam Gontor 2018
Materias:	islamic peer to peer financing empowerment msmes Islam. Bahai Faith. Theosophy, etc. BP1-610 Economic theory. Demography HB1-3840
Acceso en línea:	http://dx.doi.org/10.21111/iej.v4i2.2966 https://doaj.org/article/82084615066f4898beaecb878a328f7f
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spelling	oai:doaj.org-article:82084615066f4898beaecb878a328f7f2021-11-09T02:30:24ZPengembangan Model Low Cost Islamic Peer To Peer Financing Berbasis Financial Technology Untuk Akselerasi Kinerja UMKMhttp://dx.doi.org/10.21111/iej.v4i2.29662460-18962541-5573https://doaj.org/article/82084615066f4898beaecb878a328f7f2018-12-01T00:00:00Zhttps://ejournal.unida.gontor.ac.id/index.php/JEI/article/view/2966https://doaj.org/toc/2460-1896https://doaj.org/toc/2541-5573Along 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.Satria UtamaInayatul IlahiyahUniversitas Darussalam Gontorarticleislamic peer to peer financingempowermentmsmesIslam. Bahai Faith. Theosophy, etc.BP1-610Economic theory. DemographyHB1-3840ARENIDIslamic Economics Journal, Vol 4, Iss 2, Pp 249-276 (2018)
institution	DOAJ
collection	DOAJ
language	AR EN ID
topic	islamic peer to peer financing empowerment msmes Islam. Bahai Faith. Theosophy, etc. BP1-610 Economic theory. Demography HB1-3840
spellingShingle	islamic peer to peer financing empowerment msmes Islam. Bahai Faith. Theosophy, etc. BP1-610 Economic theory. Demography HB1-3840 Satria Utama Inayatul Ilahiyah Pengembangan Model Low Cost Islamic Peer To Peer Financing Berbasis Financial Technology Untuk Akselerasi Kinerja UMKM
description	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.
format	article
author	Satria Utama Inayatul Ilahiyah
author_facet	Satria Utama Inayatul Ilahiyah
author_sort	Satria Utama
title	Pengembangan Model Low Cost Islamic Peer To Peer Financing Berbasis Financial Technology Untuk Akselerasi Kinerja UMKM
title_short	Pengembangan Model Low Cost Islamic Peer To Peer Financing Berbasis Financial Technology Untuk Akselerasi Kinerja UMKM
title_full	Pengembangan Model Low Cost Islamic Peer To Peer Financing Berbasis Financial Technology Untuk Akselerasi Kinerja UMKM
title_fullStr	Pengembangan Model Low Cost Islamic Peer To Peer Financing Berbasis Financial Technology Untuk Akselerasi Kinerja UMKM
title_full_unstemmed	Pengembangan Model Low Cost Islamic Peer To Peer Financing Berbasis Financial Technology Untuk Akselerasi Kinerja UMKM
title_sort	pengembangan model low cost islamic peer to peer financing berbasis financial technology untuk akselerasi kinerja umkm
publisher	Universitas Darussalam Gontor
publishDate	2018
url	http://dx.doi.org/10.21111/iej.v4i2.2966 https://doaj.org/article/82084615066f4898beaecb878a328f7f
work_keys_str_mv	AT satriautama pengembanganmodellowcostislamicpeertopeerfinancingberbasisfinancialtechnologyuntukakselerasikinerjaumkm AT inayatulilahiyah pengembanganmodellowcostislamicpeertopeerfinancingberbasisfinancialtechnologyuntukakselerasikinerjaumkm
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Pengembangan Model Low Cost Islamic Peer To Peer Financing Berbasis Financial Technology Untuk Akselerasi Kinerja UMKM

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