El-Aswaq
Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq

Analisis Risiko Dan Strategi Mitigasi Risiko Pada Layanan Fintech Syariah Peer To Peer Lending Di Masa Pandemi Covid-19 (Studi Kasus : PT. Alami Fintek Sharia)

Diawati Diawati (Universitas Islam Malang)
Nur Diana (Universitas Islam Malang)
M Cholid Mawardi (Universitas Islam Malang)

Article Info

Publish Date
09 Jun 2022

Abstract

This study was used to determine risk analysis and risk mitigation strategies in the peer to peerlending sharia fintech service PT Alami Fintek Syariah. This research includes qualitative methods, usingprimary and secondary data sources. Data collection techniques are observation, interviews, anddocumentation. The risks in ALAMI P2P lending sharia fintech services are: 1) Character Risk of SMEFinancing Candidates, 2) Risk of Decrease in Paying Ability of SMEs, 3) Side Streaming Risk, 4) PayerCapacity Risk, 5) Legal Risk, and 6) Cybersecurity. From the risk analysis, the results of risk mitigationin ALAMI P2P lending services are: 1) Paying attention to the Competence of the Risk ManagementTeam, 2) Assessing Payer Capacity, 3) Establishing SME Project Ratings, 4) Cooperating with PrivateCredit Bureaus, 5) Using Second Way Out, 6) Use of Virtual Accounts, 7) Implement Due Diligence andPrudence, 8) ISO27001 Cybersecurity and 9) Periodic Industry Updates.

Copyrights © 2022




Citation Download
RIS
EndNote, Reference Manager, ProCite
BibTex
Latex, Jabref
Full PDF
549.555 KB
Original Source
Download Original
Google Scholar
Check in Google Scholar
Journal Info
El-Aswaq
Website

Abbrev

laswq

Publisher

Universitas Islam Malang

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Description

The scope of El-Aswaq are limited to islamic economics, islamic banking and finance, islamic economic management, islamic economics law, management Zakat, Infaq, Shodaqoh, and Waqf, islamic entrepreneurship and business, islamic economics thought, islamic insurance, islamic ...