THE ROLE OF SHARIA FINTECH IN IMPROVING HALAL FINANCIAL INCLUSION IN MSMES IN INDONESIA


Ina Safarina Dewi(1*), Hendri Hermawan Adinugraha(2)

(1) UIN K.H. Abdurrahman Wahid Pekalongan, Indonesia
(2) UIN K.H. Abdurrahman Wahid Pekalongan, Indonesia
(*) Corresponding Author

Abstract


The revolution of Islamic financial institutions in technology has become a must because of the progress of technology and information. Collaboration with financial technology (fintech) is expected to encourage the role of sharia-based fintech lending and other sharia fintech in developing the halal product industry in Indonesia. This article aims to explain the role of Islamic fintech in increasing financial inclusion for halal MSMEs in Indonesia. A literature review is a research method. The results obtained are the role of the application of Islamic fintech in increasing financial inclusion by providing access to financing for MSMEs engaged in the halal industry, providing convenience for MSME actors in accessing various types of Islamic bank financial services and encouraging equitable access to public finances that have not been reached by financial institutions, formal and domestic halal industry players. In Indonesia, fintech has contributed to the National Strategy for Financial Inclusion.


Keywords


Sharia Financial Technology, Financial Inclusion, Halal, MSMEs

Full Text:

PDF

References


Ardiansyah, Muhammad, and Peni Sawitri. 2019. “Analysis Of Factors That Influence The Use Of Social Media By Small And Medium Enterprises” 7 (11): 32–41.

Ariyanti, Fiki. 2021. “Perkembangan Fintech Di RI Dan Hari Fintech Nasional 11.11.” Cermati.Com. 2021. https://www.cermati.com/artikel/perkembangan-fintech-di-ri-dan-hari-fintech-nasional-1111. Artika, Dela, and Yuni Shara. 2021. “Analisis Peran Financial Technology Dalam Meningkatkan Keuangan Inklusif Pada UMKM Kota Medan.” Indonesian Journal of Business Analytics 1 (2): 237–48. https://doi.org/10.54259/ijba.v1i2.78. Febriyantoro, Mohamad Trio, and Debby Arisandi. 2018. “Pemanfaatan Digital Marketing Bagi Usaha Mikro, Kecil Dan Menengah Pada Era Masyarakat Ekonomi Asean.” JMD: Jurnal Riset Manajemen & Bisnis Dewantara 1 (2): 61–76. https://doi.org/10.26533/jmd.v1i2.175. Fenwick, Mark, Joseph A. McCahery, and Erik P.M. Vermeulen. 2018. “Fintech and the Financing of SMEs and Entrepreneurs: From Crowdfunding to Marketplace Lending.” The Economics of Crowdfunding: Startups, Portals and Investor Behavior, no. September: 103–29. https://doi.org/10.1007/978-3-319-66119-3_6. Fitriani, Hanik. 2018. “Kontribusi FinTech Dalam Meningkatkan Keuangan Inklusif Pada Pertanian.” Journal of Islamic Economics and Business 01 (01): 1-26. Hasan, Hurriah Ali. 2020. “Dampak Teknologi Dalam Transaksi Bisnis Umkm.” Jurnal Kajian Islam Kontemporer 11 (2): 52–63. Iriana, R N H. 2021. “Pengaruh Fintech Terhadap Inklusi Keuangan Umkm Di Kota Magelang.” http://eprintslib.ummgl.ac.id/3168/. Izzudin, Muhammad, and Hendri Hermawan Adinugraha. 2021. “Potential Development of Halal Industry in Indonesia.” LIKUID : Jurnal Ekonomi Industri Halal 2 (1): 1–16. https://journal.uinsgd.ac.id/index.php/likuid/article/view/14915/pdf. Luckandi, Diardo. 2018. “Analisis Transaksi Pembayaran Menggunakan Fintech Pada Umkm Di Indonesia: Pendekatan Adaptive Structuration Theory.” Jiko - Stmik Akakom Yogyakarta 3 (2): 1–86. https://dspace.uii.ac.id/handle/123456789/9681. Marginingsih, Ratnawaty. 2021. “Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional Di Masa Pandemi Covid-19.” Moneter - Jurnal Akuntansi Dan Keuangan 8 (1): 56–64. https://doi.org/10.31294/moneter.v8i1.9903. Muzdalifa, Irma, Inayah Aulia Rahma, and Bella Gita Novalia. 2018. “Peran Fintech Dalam Meningkatkan Keuangan Inklusif Pada UMKM Di Indonesia (Pendekatan Keuangan Syariah).” Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah 3 (1). https://doi.org/10.30651/jms.v3i1.1618. Nadya, Prameswara Samofa, and Muhammad Iqbal. 2021. “Upaya Fintech Syariah Mendorong Akselerasi Pertumbuhan UMKM Di Indonesia” 7 (01): 41–50. Nina Yulianasari, and Helvony Mahrina. 2021. “Pengaruh Penggunaan Fintech Terhadap Perkembangan Literasi Dan Inklusi Keuangan Pada Umkm Di Kota Bengkulu.” 4 (1): 92–105. NISP, Redaksi OCBC. 2021. “Apa Itu Fintech: Pengertian, Manfaat, Jenis & Dasar Hukumnya.” Ocbcnisp.Com. 2021. Rasyid, Muthiah Az-Zahra, Ro`fah Setyowati, and Islamiyati. 2017. “Crowdfunding Syariah Untuk Pengembangan Produk Perbankan Syariah Dari Perspektif Shariah Compliance.” Diponegoro Law Jurnal 6 (4): 1–16. Sutarmin, and Adi Susanto. 2017. “Potensi Pengembangan Transaksi Non Tunai Di Indonesia.” Sustainable Competitive Advantage-7 (SCA-7) Feb UNSOED 7 (September): 292–302. Syarizka, Deandra. 2019. “Kontribusi UMKM Terhadap PDB 2019 Diproyeksi Tumbuh 5%.” Bisnis.Com. 2019. https://ekonomi.bisnis.com/read/20190109/12/876943/kontribusi-umkm-terhadap-pdb-2019-diproyeksi-tumbuh-5. Tri Inda Fadhila Rahma. 2018. “Persepsi Masyarakat Kota Medan Terhadap Penggunaan Financial Technology.” Jurnal At-Tawassuth Vol. III (ثق ثقثقثق): ثقثقثقثق. Winarto, Wahid Wachyu Adi. 2020. “Peran Fintech Dalam Usaha Mikro Kecil Dan Menengah (UMKM).” Jesya (Jurnal Ekonomi & Ekonomi Syariah) 3 (1): 61–73. https://doi.org/10.36778/jesya.v3i1.132.




DOI: https://doi.org/10.15575/likuid.v3i1.18693

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Tools

  

 LIKUID Jurnal EkonomI Industri Halal Indexed by

       

 

Sharia Economics Study Program

Faculty of Islamic Economics and Business

UIN Sunan Gunung Djati Bandung

Jln. AH. Nasution No. 105 Bandung 40614
Phone/Fax. 022-7802278, Email: eksyar@uinsgd.ac.id

 

View My Stats