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Siti Aisyah
Universitas Islam Negeri Sumatera Utara
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Journal : Jurnal Penelitian Pendidikan Indonesia

 1 
Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending Nurbaiti Nurbaiti; Asmuni Asmuni; Andri Soemitra; Imsar Imsar; Siti Aisyah
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol 9, No 4 (2023): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020232273

Abstract

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.
Co-Authors Aditya Fadillah Adrie Fachrezi Harahap Ahmad Ihsan Fiqih Siregar ahmad muharmansyah rezeki maulana Al Farizi Kurniawan Alfi Hidayat Alifa Adzra Siregar Amalia Munajah Nasution Amaliyah Mutiara Amanda Damayanti Nasution Amelia Putri Amelia Putri Nasution Anastasya Br Ginting Andri Soemitra Anggita Rizkia Aninda Mahfadillah Anisah Heriani Annio Indah Lestari Nasution Araza Yudha Maghfirah Arbarija Hafiz Lubis Arbarija Hafiz Lubis Ardhia Prameswari Aris Kukuh Prasetyo Aseh Kumala Sari Asmuni Asmuni Aulia Azmi Lubis Ayu Intan Pratiwi Ayu Intan Pratiwi Ayu Widyastuti Rafisa Betania Kartika Bunayyati Hakimah S. Meliala Chadisa Rizky Ananda Cici Winda Atila Danish Irsyad Gunawan Deby Novriansyah Della Agustina Diah Ananda Kharisma Diah Safri Yulinda Dian Irmawani Diana Diana Dina Audiva Adawiyah Dina Aulia Nasution Dinda Namira Hsb Dinda Namira Hsb Dinda Dinda Rahmayani Purba Dinda Savira Viantika Dindy Rizka Occtavia Dindy Rizka Octavia Djauky Ridho Amwa Dwi Franadita Efni Yulia Santri Harahap Elsa mayori Epa Purnama Sari Epa Purnama Sari Harahap Erlangga Hakim Manurung Erlangga Hakim Manurung Fadly Abdillah Nafis Fakri Mursala Fakri Mursala Fernanda Putri Fikri Haikal Fithrah Dwi Ananda Grace Amalia Tondang Habib Lauda Nararya Hafsyah Yasmita Halimah Safitry Al-Fauziah Harahap, Muhammad Ikhsan Hendra Harmain Herlin Syahdina Lubis Imamsyah Imamsyah Imsar Imsar Imsar Indah Aryani Indah Lestari Ritonga Indriani Suci Intan Nurbaiti Ira Suryani Juwita Putri Wulandari Kamilah, K Laila Fitria Lestari Perdana Putri Liska Febrianti Liska Febrianti Luthfiah Nur Bayani M. Ikhsan Harahap Malkan Yahya Abdillah Mardinal Tarigan Marliyah Mauliza Nabila Maya Amelia Melati Devyana Melati Devyana Melati Melati Melati Melati Mentari Kinanti Surya Sirait Mhd Fahri Irawan Lubis Mhd Rafli Mhd Yahya Miftahul Husna Hutapea Miftahul Jannah Mildayani Siregar Minta Ito Lubis Mira Nur Aisah Miranda Julia Pasaribu Muhammad Anshari Hutasuhut Muhammad Basri Muhammad Iqbal Nasution Muhammad Iqbal Sayuti Harahap Muhammad Rafli Muhammad Rafli Muhammad Yusuf Siregar Murni Sofiah Musdiansyah Putra Muslimatul Husna Muslimatul Husnah Batubara Mustafa Kamal Rokan Mustafaruddin Mustafaruddin Mustapa  Khamal  Rokan Mutia Sari Mutiara Rahmah Nabila Ramadhani Nadhrah Al Aflah Nadia Evira Nasution, Annio Indah Lestari Nia Andriani Nia Andriani Niken Rahmadyah Niki Aulia Nugrhainy Hidayana Nur Ahmadi Bi Rahmani Nurbaiti Nurbaiti Nurbaiti Nurhafifah Saragih Nurhayani Nurhayani Nuri Aslami Nursapia Harahap Nurwani Oky Aditia Siregar Praba Baskara Nasution Preti Intan Sari Putri Gusniati Putri Iswanti Putri Sepfiani Raihan Saputra Raudah Azzahra Manurung Reitandi Reitandi Reni Yusnita Resa Shin tia Ria Anjriani Sahputri Rika Nurmitha Riska Veronika Riska Veronika Risma Yana Sari Rismayanti Bintang Riza Ayu Asmita Rizky Aryansyah Rukiana Hasibuan Rukiana Hasibuan Rypho Delzy Perkasa Said Ihsan Fauzi Salmiah Hasibuan Sella Fauziati Herlina Selvira Wardani Tanjung Seri Rezjeki Wardani Tamba Silvi Tri Wardani Siti Hazrah Siti Holijah Siti Nurhalizah Lubis Sophia Rahmadhani Sri Ramadhani Suci Arifah Lubis Sudana Fatahillah Pasaribu Sugeng Arifandi Banurea Sugianto Sugianto Sugianto Sugianto Supardi Supardi Syahfitri Syahfitri Tasya Yustika Putri Tri Inda Fadhila Rahma Tria Wardhani Tuti Tria Ulin Vania Sally Nabila Vina Rahmanda Wahyu Andriansyah Naibaho Widiyani Hasibuan Wiranti Wiranti Yuda Pratama Yudi Bimantaka Yusramadhani Zainarti Zerimah Afgani Hasibuan