scholarly journals Enhancing the Literacy of Shariah Financial Technology for Generation X, Y and Z in Indonesia

2020 ◽  
Vol 7 (2) ◽  
pp. 65
Author(s):  
Ika Yunia Fauzia
Keyword(s):  
Generation X ◽  
Financial Literacy ◽  
Peer To Peer ◽  
Qualitative Approach ◽  
Peer Lending ◽  
Financial Technology ◽  
Payment Gateway

This research tries to improve financial literacy through sharia fintech, especially in payment gateway, peer to peer lending, and crowdfunding. It focuses mainly on how the X, Y, and Z generations may improve financial literacy. The research uses a qualitative approach in analyzing its case study, involving 30 informants in Indonesia who have the knowledge or other ways and access sharia fintech. The research will then select 30 informants and ten people to represent each X, Y, and Z generations. The research shows that X generations are more literate in sharia fintech than Y and Z generations to disseminate and spread sharia fintech and improve its infrastructures and services in its products.

scholarly journals PEER TO PEER LENDING SYSTEM IN HIFDUN MAAL PERSPECTIVE: EVIDENCE FROM THE FINTECH COMPANY OF INVESTREE

2020 ◽  
Vol 7 (8) ◽  
pp. 1584
Author(s):  
Anisa Fadilah Zustika ◽  
Ana Toni Roby Candra Yudha
Keyword(s):  
Financial Management ◽  
Supervisory Board ◽  
Business Owners ◽  
Peer To Peer ◽  
Business Development ◽  
Study Results ◽  
Peer Lending ◽  
Financial Management System ◽  
Financial Technology

The technology-based financial management system or so-called financial technology (fintech) has become a trend in the millennial era, both with sharia or conventional labels. This study aims to determine and examine the operational mechanisms and implications of the application of the peer to peer lending system, which is used as a transaction method both in funding and financing. The approach used is qualitative, an approach that prioritizes the subjectivity aspects of researchers and informants. The informants of this study are experts from several stakeholders such as the MUI of East Java, Masyarakat Ekonomi Syariah (MES) branch of Semarang, and 2 sharia fintech business owners and practitioners in East Java. The study results obtained are fintech based on a peer to peer lending system (P2PL) in the perspective of hifdzu mal (Investree company case study) is an online loan transaction that is consistent with the theory of hifdzu maal. The suitability of the transaction with hifdul maal, because each agreement is clear and in accordance with sharia provisions such as fair, mutually committed, and protect ownership. Suggestions from this study are the need for the addition of sharia supervisory board (DPS) for fintech, collaboration with universities in business development so that literacy and inclusion of fintech can be more extensive and developed.Keywords: fintech, peer to peer lending (P2PL), protection of wealth

scholarly journals Peran Financial Technology pada UMKM: Peningkatan Literasi Keuangan Berbasis Payment Gateway

2020 ◽  
Vol 10 (2) ◽  
pp. 170
Author(s):  
Ayu Putu Yulia Kusuma Wardani ◽  
Nyoman Ari Surya Darmawan
Keyword(s):  
Financial Literacy ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Descriptive Approach ◽  
Digital Payments ◽  
Financial Technology ◽  
Payment Gateway

The purpose of this studi was to understand the financial techology in Micro Small and Medium Entreprises in Buleleng Regency, especially in increased financial literacy based on payment gateway. This research used qualitative approach with the type of descriptive approach and also used primary data and secondary data in the form of interviews observations and documentations. The result showing that the role of financial technology could increase financial literacy and made it easier for Micro Small and Medium Entrepreneurs to manage and understans their finances because the technology provided convenience in digital payments. Therefore, it automatically recorded the income of transsaction that occur.

scholarly journals Financial Technology Peer-To-Peer Lending Berbasis Syariah Di Indonesia

2018 ◽  
Vol 1 (2) ◽  
pp. 116
Author(s):  
Jadzil Baihaqi
Keyword(s):  
Islamic Law ◽  
Peer To Peer ◽  
Literature Study ◽  
Community Based ◽  
Peer Lending ◽  
Good Manner ◽  
Financial Technology ◽  
Payment Gateway

<p>This research aims to explain the concept of online peer-to-peer lending based on sharia rules. This research uses a literature study. The findings are, first, online peer-to-peer lending allowed in Islamic law that free from prohibited transactions, using sharia contracts, transparent, and in good manner. Second, there are 6 online peer-to-peer lending models that can be done according to Fatwa DSN-MUI: 1) financing for factoring, 2) financing for procurement ordered good, 3) financing for online seller, 4) financing for online seller through payment gateway, 5) financing for employee, 5) financing for community-based.<em> </em></p>

scholarly journals PERBEDAAN FINTECH PEER TO PEER LENDING ANTARA GENERASI X DAN GENERASI Y DALAM MODEL BEHAVIORAL INTENTION DI MANADO

2020 ◽  
Vol 7 (3) ◽  
Author(s):  
Priskila Gissela Marlia Walangitan ◽  
Joyce S.L.H.V Lapian ◽  
Jacky S.B Sumarauw
Keyword(s):  
Generation X ◽  
Generation Y ◽  
Behavioral Intention ◽  
Peer To Peer ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Perceived Behavior Control ◽  
Peer Lending ◽  
Financial Technology

Abstract: Financial Technology is considered as the development of financial technology in the financial services sector. One of the most interesting types of financial technology (Fintech) is peer-to-peer lending, hence Fintech peer-to-peer lending becomes an alternative choice for loan providers now. This study aims at investigating the difference of Fintech peer-to-peer lending between Generation X and Generation Y in the behavioral intention model in Manado by involving a total sample of 183 respondents who were divided into two groups, namely 88 respondents from Generation X and 99 respondents from Generation Y. This study employed a quantitative causal-comparative study design using the PLS-Multigroup analysis. This study revealed that there were differences in the effect of perceived usefulness, subjective norms, and perceived behavior control on the behavioral intention of use of Fintech peer-to-peer lending between Generation X and Generation Y in Manado City. Meanwhile, perceived ease-of-use, perceived usefulness, and attitude towards a behavior did not have a difference in the effect on behavioral intention of use of Fintech peer-to-peer lending between Generation X and Generation Y in Manado City.Keywords: Perceived ease-of-use, subjective norm, perceived behavior control, perceived usefulness, attitude towards a behavior, the behavioral intention of useAbstract: Financial Technology is considered as the development of financial technology in the financial services sector. One of the most interesting types of financial technology (Fintech) is peer-to-peer lending, hence Fintech peer-to-peer lending becomes an alternative choice for loan providers now. This study aims at investigating the difference of Fintech peer-to-peer lending between Generation X and Generation Y in the behavioral intention model in Manado by involving a total sample of 183 respondents who were divided into two groups, namely 88 respondents from Generation X and 99 respondents from Generation Y. This study employed a quantitative causal-comparative study design using the PLS-Multigroup analysis. This study revealed that there were differences in the effect of perceived usefulness, subjective norms, and perceived behavior control on the behavioral intention of use of Fintech peer-to-peer lending between Generation X and Generation Y in Manado City. Meanwhile, perceived ease-of-use, perceived usefulness, and attitude towards a behavior did not have a difference in the effect on behavioral intention of use of Fintech peer-to-peer lending between Generation X and Generation Y in Manado City.Keywords: Perceived ease-of-use, subjective norm, perceived behavior control, perceived usefulness, attitude towards a behavior, the behavioral intention of use

PERLINDUNGAN DATA PRIBADI PENERIMA PINJAMAN DALAM TRANSAKSI PINJAM MEMINJAM UANG BERBASIS TEKNOLOGI INFORMASI (PEER TO PEER LENDING)

2021 ◽  
Vol 50 (4) ◽  
pp. 789
Author(s):  
Hendrawan Agusta
Keyword(s):  
Peer To Peer ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

Perkembangan teknologi informasi sangat pesat, adanya kolaborasi antara teknologi informasi dengan berbagai bidang kehidupan melahirkan berbagai macam inovasi yang membuat kehidupan masyarakat semakin mudah. Inovasi di bidang teknologi informasi melahirkan model bisnis baru yang pada gilirannya mampu menghasilkan efisiensi bagi masyarakat. Revolusi teknologi informasi tersebut terus berkembang dan sekarang memasuki bidang keuangan yang regulasinya ketat. Kolaborasi antara teknologi informasi dengan bidang keuangan melahirkan Teknologi Finansial atau Financial Technology (Fintech), salah satunya pinjam-meminjam uang berbasis teknologi informasi (Peer to Peer Lending/P2P Lending). Masyarakat menjadi lebih mudah mengakses kebutuhan keuangannya melalui P2P Lending. Di sisi lain, muncul tantangan dalam P2P Lending mengenai perlindungan data (data pribadi, data transaksi dan data keuangan). Dalam penelitian ini yang akan dibahas hanya data pribadi Penerima Pinjaman, dimana data pribadi tersebut perlu dilindungi agar tidak terjadi penyalahgunaan yang menimbulkan permasalahan hukum

Development of Financial Technology With Reference to Peer-to-Peer (P2P) Lending in Indonesia

2021 ◽  
pp. 144-164
Author(s):  
Tulus T. H. Tambunan
Keyword(s):  
Small Businesses ◽  
Peer To Peer ◽  
Small Business Owners ◽  
Semistructured Interview ◽  
Group Discussions ◽  
Case Study Methodology ◽  
P2p Lending ◽  
Study Methodology ◽  
Financial Technology

This study aims to explore the growth of financial technology (fintech) and its impact on the ability of small businesses to access funding in Indonesia with reference to peer-to-peer (P2P) lending. It adopted a case study methodology using a semistructured interview and a series of focus group discussions (FGDs) with 10 owners of small businesses and 30 owners or managers of peer-to-peer (P2P) lending companies. Two important findings were (1) the sampled small businesses benefited from P2P lending and (2) banks are the most important investor in P2P lending companies. However, this study has its limitations. First, the sample was too small to generalize to a broader population. Second, there is no national data on credit to small businesses from P2P lending to support the findings of the case. To the authors' knowledge, this is the first study on this topic, specifically in Indonesia. It takes stock of the empirical evidence in the literature through the lens of small business owners.

scholarly journals Legal Review of Financial Technology Peer To Peer Lending Based on Indonesian Collateral Law Perspective

2020 ◽  
Vol 3 (2) ◽  
pp. 109
Author(s):  
Ayup Suran Ningsih
Keyword(s):  
Private Sector ◽  
Peer To Peer ◽  
Minimum Requirement ◽  
Track Record ◽  
Loan Program ◽  
Peer Lending ◽  
The Government ◽  
Credit Agreement ◽  
Financial Technology ◽  
Legal Entities

In fulfilling everyday needs, certainly needing equipment and supporting equipment in practice. However, due to limited capital, the background of the birth of legal entities from the government to the private sector offered a program to lend money which was then used for capital. In the process, this loan is often called a credit agreement in which the minimum requirement is a guarantee that will later be used as a collateral object. The guarantee acts as an addition (accesoir) to the main agreement which is to convince the creditor of the assets of the debtor and their ability to make payments later. Because not everyone has sufficient assets to make a loan, a guarantee institution arises that provides a loan program without using collateral. In connection with the development of technology, a new program was born, namely peer to peer lending based on financial technology. Ease in requirements and track record written in a system is the attraction of this type of loan, but because it is regulated by the system, there can be a mismatch of what is promised.

scholarly journals Problematika Hukum Pada Peer To Peer Lending di Indonesia Dalam Perspektif Hukum Persaingan Usaha

2019 ◽  
Vol 2 (6) ◽  
pp. 2025
Author(s):  
Cheyzsa Mega Andhini S.P
Keyword(s):  
Peer To Peer ◽  
Relevant Market ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

E-commerce yang merupakan bentuk perdagangan elektronik menjadi tren dalam perdagangan di Indonesia saat ini. Tidak hanya perdagangan secara elektronik saja melainkan diiringi dengan adanya pembayaran secara elektronik yang kita kenal dengan Financial Technology (Selanjutnya disingkat fintech). Fintech adalah sebuah inovasi di dalam bidang jasa keuangan. Fintech yang bermunculan di Indonesia ini menjadi salah satu alternatif dalam hal pembayaran berbasis online. Salah satu jenisnya adalah sistem kredit secara online yang disebut dengan P2P Lending. P2P Lending secara legal diatur dalam Peraturan Otoritas Jasa Keuangan Nomor 77/ POJK.01/2016 Tentang Layanan Pinjam Meminjam Berbasis Teknologi Informasi, sebagai dasar hukum terkait sistem pinjam meminjam dengan system elektronik. P2P Lending yang bermunculan di Indonesia membuat pihak bank konvensional juga menawarkan fasilitas yang sama pada perbankan yaitu sistem kredit online. Kesamaan fasilitas antara P2P Lending dan Kredit Online Sistem ini menimbulkan persaingan usaha tidak sehat, karena mereka berada pada relevant market yang sama.

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