Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending
The presence of sharia financial technology (fintech) as a credible financial institution is expected to be able to help the problems that are often faced by Micro, Small and Medium Enterprises (MSMEs) in Indonesia. This study aims to determine whether there are differences in the behavior of MSME a...
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| Format: | Article |
| Language: | English |
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Indonesian Institute for Counseling, Education and Therapy (IICET)
2023-12-01
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| Series: | JPPI (Jurnal Penelitian Pendidikan Indonesia) |
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| Online Access: | https://jurnal.iicet.org/index.php/jppi/article/view/2273 |
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| author | Nurbaiti Nurbaiti Asmuni Asmuni Andri Soemitra Imsar Imsar Siti Aisyah |
| author_facet | Nurbaiti Nurbaiti Asmuni Asmuni Andri Soemitra Imsar Imsar Siti Aisyah |
| author_sort | Nurbaiti Nurbaiti |
| collection | DOAJ |
| description | The presence of sharia financial technology (fintech) as a credible financial institution is expected to be able to help the problems that are often faced by Micro, Small and Medium Enterprises (MSMEs) in Indonesia. This study aims to determine whether there are differences in the behavior of MSME actors in the use of sharia fintech lending and conventional fintech lending. The research method used in this research is normative legal research by analyzing the laws and regulations as well as relevant studies through the issues in the study. This study uses a statutory and conceptual approach, both of which function to analyze the applicable legal rules so that differences can be found between conventional and sharia peer to peer lending fintechs and the extent to which sharia rules are applied in these fintechs. This study concludes that Islamic fintech plays a role as a driving factor in increasing the inclusiveness of Micro, Small and Medium Enterprises (MSMEs) in Indonesia. The presence of the sharia fintech industry can overcome the problems of Micro, Small and Medium Enterprises (MSMEs) in Indonesia, especially related to financing needs, ease of transaction processing, expansion of market access, and ease of preparation of financial reports. |
| format | Article |
| id | doaj-art-57318318c0c548c89dd709b9d2de9232 |
| institution | Kabale University |
| issn | 2477-8524 2502-8103 |
| language | English |
| publishDate | 2023-12-01 |
| publisher | Indonesian Institute for Counseling, Education and Therapy (IICET) |
| record_format | Article |
| series | JPPI (Jurnal Penelitian Pendidikan Indonesia) |
| spelling | doaj-art-57318318c0c548c89dd709b9d2de92322025-01-27T12:24:50ZengIndonesian Institute for Counseling, Education and Therapy (IICET)JPPI (Jurnal Penelitian Pendidikan Indonesia)2477-85242502-81032023-12-0194929910.29210/0202322731580Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lendingNurbaiti Nurbaiti0Asmuni Asmuni1Andri Soemitra2Imsar Imsar3Siti Aisyah4Universitas Islam Negeri Sumatera UtaraUniversitas Islam Negeri Sumatera UtaraUniversitas Islam Negeri Sumatera UtaraUniversitas Islam Negeri Sumatera UtaraUniversitas Islam Negeri Sumatera UtaraThe presence of sharia financial technology (fintech) as a credible financial institution is expected to be able to help the problems that are often faced by Micro, Small and Medium Enterprises (MSMEs) in Indonesia. This study aims to determine whether there are differences in the behavior of MSME actors in the use of sharia fintech lending and conventional fintech lending. The research method used in this research is normative legal research by analyzing the laws and regulations as well as relevant studies through the issues in the study. This study uses a statutory and conceptual approach, both of which function to analyze the applicable legal rules so that differences can be found between conventional and sharia peer to peer lending fintechs and the extent to which sharia rules are applied in these fintechs. This study concludes that Islamic fintech plays a role as a driving factor in increasing the inclusiveness of Micro, Small and Medium Enterprises (MSMEs) in Indonesia. The presence of the sharia fintech industry can overcome the problems of Micro, Small and Medium Enterprises (MSMEs) in Indonesia, especially related to financing needs, ease of transaction processing, expansion of market access, and ease of preparation of financial reports.https://jurnal.iicet.org/index.php/jppi/article/view/2273sharia financial technology, conventional financial technology, msmes |
| spellingShingle | Nurbaiti Nurbaiti Asmuni Asmuni Andri Soemitra Imsar Imsar Siti Aisyah Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending JPPI (Jurnal Penelitian Pendidikan Indonesia) sharia financial technology, conventional financial technology, msmes |
| title | Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending |
| title_full | Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending |
| title_fullStr | Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending |
| title_full_unstemmed | Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending |
| title_short | Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending |
| title_sort | behavior analysis of msmes in indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending |
| topic | sharia financial technology, conventional financial technology, msmes |
| url | https://jurnal.iicet.org/index.php/jppi/article/view/2273 |
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