Pengembangan UMKM Melalui Pemanfaatan Model Layanan Fintech Syariah Ammana.id

@is The Best : Accounting Information Systems and Information Technology Business Enterprise

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Title Pengembangan UMKM Melalui Pemanfaatan Model Layanan Fintech Syariah Ammana.id
Pengembangan UMKM Melalui Pemanfaatan Model Layanan Fintech Syariah Ammana.id
 
Creator Yahya, Adibah
Affandy, Azhar
Narimawati, Umi
 
Description Financial technology is a technological innovation in the financial sector, various services are provided by startup companies online ranging from payment traffic, insurance, financing to corporate risk assessment. The ease of fintech services is used as a reason for MSME players to develop their businesses, especially in terms of funding and financing. This study aims to examine the ammana.id sharia fintech service model in developing MSMEs in Indonesia. The role of the government, in this case, the Financial Services Authority (OJK), is as a policymaker for financial services operating in Indonesia. The regulations for fintech are OJK Regulation (PJOK) Number 77 of 2016 concerning information technology-based lending and borrowing services or fintech loans. UMKM is one of the fintech users through the P2P Lending service model. The sharia fintech service model, especially P2P Lending, which is used by the Ammana fintech company, has helped many businesses and micro-businesses (MSMEs). Ammana is a sharia-based fintech company, where the fintech service model is in the form of funding and financing provided to MSME entrepreneurs through cooperation with sharia institutions. With the application of the profit-sharing system, Ammana has a successful completion rate of borrowing and borrowing obligations (TKB) of 94.81%. This shows that the higher the TKB, the better the implementation of information technology-based financing services. Ammana has channeled funds according to sharia to 2,285 business and micro actors and has 1,445 funders and 23 billion have been absorbed in the P2P lending service model. Satisfaction with Ammana's performance is evidenced by an increase in the number of investors and borrowers, as well as Islamic financial institution partners who are taking part in these fintech services.
Financial teknologi merupakan inovasi teknologi di bidang keuangan, berbagai layanan diberikan oleh perusahaan startup secara daring mulai dari lalu lintas pembayaran, asuransi, pembiayaan hingga penilaian risiko perusahaan. Kemudahan layanan fintech, dijadikan sebagai alasan pelaku UMKM mengembangkan usahanya terutama dalam hal pendanaan dan pembiayaan. Penelitian ini bertujuan untuk mengkaji model layanan fintech syariah ammana.id dalam menegmbangkan UMKM di Indonesia. Peran pemerintah dalam hal ini Otoritas Jasa Keuangan (OJK) sebagai pembuat kebijakan atas jasa keuangan yang beroperasi di Indonesia. Peraturan atas fintech terdapat Peraturan OJK (PJOK) Nomor 77 Tahun 2016 tentang layanan pinjam-meminjam yang berbasis teknologi informasi atau fintech pinjaman. UMKM merupakan salah satu pengguna fintech melalui model layanan P2P Lending. Model layanan fintech syariah terutama P2P Lending yang digunakan oleh perusahaan fintech Ammana telah banyak membantu pelaku usaha dan mikro (UMKM). Ammana merupakan perusahaan fintech yang berbasis syariah, dimana model layanan fintech berupa pendanaan dan pembiayaan yang diberikan kepada para pelaku usaha UMKM melalui kerjasama dengan lembaga syariah. Dengan penerapan sistem bagi hasil, ammana memiliki tingkat keberhasilan penyelesaian kewajiban pinjam meminjam (TKB) sebesar 94,81%. Hal ini menunjukkan bahwa semakin tinggi TKB maka semakin baik penyelenggaraan dalam pelayanan pembiayaan berbasis teknologi informasi. Ammana telah menyalurkan dana sesuai syariah kepada 2.285 pelaku usaha dan mikro serta memiliki 1.445 pemberi dana serta sebanyak 23 Milyar telah diserap dalam pada model layanan P2P lending. Kepuasan atas kinerja Ammana dibuktikan dengan peningkatan jumlah investor dan peminjam, serta mitra lembaga keuangan syariah yang turut andil dalam layanan fintech tersebut.
 
Publisher Labkat Press KA FTIK UNIKOM
 
Date 2020-12-27
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article
 
Format application/pdf
 
Identifier https://ojs.unikom.ac.id/index.php/aisthebest/article/view/3049
10.34010/aisthebest.v5i2.3049
 
Source @is The Best : Accounting Information Systems and Information Technology Business Enterprise; Vol 5 No 2 (2020): @is The Best : Accounting Information Systems and Information Technology Business Enterprise; 106-120
@is The Best : Accounting Information Systems and Information Technology Business Enterprise; Vol 5 No 2 (2020): @is The Best : Accounting Information Systems and Information Technology Business Enterprise; 106-120
2656-808X
2252-9853
10.34010/aisthebest.v5i2
 
Language eng
 
Relation https://ojs.unikom.ac.id/index.php/aisthebest/article/view/3049/2120
 
Rights Copyright (c) 2020 @is The Best : Accounting Information Systems and Information Technology Business Enterprise
 

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