Dampak Sosial Peer To Peer Landing Syariah Bagi Pertumbuhan Pelaku Usaha Di Indonesia
DOI:
https://doi.org/10.54180/jiesp.2023.2.2.142-160Keywords:
Fintech Growth, Social Impact, Peer to peer landing LandingAbstract
The aim of this research is to discuss the social impact on loan funding and sharia fixed rate peer to peer landing lending has become an interesting research topic in recent years. This research will discuss the social impact of loan funding and fixed rate loans on Sharia P2P Lending in Indonesia. Previous research relevant to this topic includes discussing the legal problems of P2P Sharia Lending in Indonesia, legal protection for consumers using financial technology based on P2P Sharia Lending, P2P Sharia Lending mechanisms and services, the influence of ease of use and risk in the Investree application on transaction decisions using fintech. Sharia P2P Lending, and analysis of Sharia P2P Lending fintech product contracts. The research method that will be used in this research is a qualitative research method with library study data collection techniques. The data used in this research is secondary data obtained from sources such as journals, books and related documents. The data that has been obtained will be analyzed qualitatively to obtain findings that are relevant to the research objectives which include the positive and negative impacts of loan funding and fixed rate loans in Sharia P2P Lending on Indonesian society and the economy. The conclusion of this research will summarize the findings relevant to the research objectives and provides implications and suggestions for the development of Sharia P2P Lending in Indonesia.
References
Adiyasha, Dwiky Lucky. “Inovasi Layanan Sistem Informasi Penelitian Hukum Dan Hak Asasi Manusia (Sipkumham).” Swatantra 21, no. 1 (2023): 27.
Amalia, Alfi, and Andri Soemitra. “Analysis and Comparison of Financial Technology Peer to Peer Lending Sharia and Conventional.” Journal of Education, Humaniora and Social Sciences (JEHSS) 4, no. 4 (2022): 2429–2439.
Ansori, Miswan. “Perkembangan Dan Dampak Financial Technology (Fintech) Terhadap Industri Keuangan Syariah Di Jawa Tengah Miswan.” Wahana Islamika: Jurnal Studi Keislaman 5, no. 1 (2019): 31–45.
Baihaqi, Jadzil. “Financial Technology Peer-To-Peer Lending Berbasis Syariah Di Indonesia.” TAWAZUN?: Journal of Sharia Economic Law 1, no. 2 (2018): 116.
Darmawan, and Muh. Taufiq Al Hidayah. “Manajemen Risiko Fintech Dalam Pembiayaan Syariah.” Business Journal 05, no. 02 (2019): 17–32. http://journals.telkomuniversity.ac.id/business.
Harahap, Nurasiah. “Perlindungan Hukum Pengguna Layanan Teknologi Finansial (Financial Technology) Pinjam Meminjam Uang Berbasis Teknologi Informasi (Peer To Peer Lending).” Jurnal Hukum Kaidah: Media Komunikasi dan Informasi Hukum dan Masyarakat 20, no. 1 (2020): 63–82.
Harp, Aphylla Planifolia, Resfa Fitri, and Yekti Mahanani. “Peer-to-Peer Lending Syariah Dan Dampaknya Terhadap Kinerja Serta Kesejahteraan Pelaku Usaha Mikro Dan Kecil (UMK) Pada Masa Pandemi Covid-19.” Al-Muzara’Ah 9, no. 1 (2021): 109–127.
Iskandar, Evy, Ayumiati Ayumiati, and Novita Katrin. “Analisis Prosedur Pembiayaan Dan Manajemen Risiko Pada Perusahaan Peer To Peer (P2P) Lending Syariah Di Indonesia.” J-ISCAN: Journal of Islamic Accounting Research 1, no. 2 (2019): 1–28.
Kalsum, Ummi, and Eka Rizky Saputra. “Penyertaan Akadwakalah Pada Pembiayaan Murabahah (Studi Di BNI Syariah Cabang Kendari).” Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam 1, no. 1 (2016): 1.
Lova, Evi Fajriantina. “Financial Technology Peer To Peer Lending Syariah: Sebuah Perbandingan Dan Analisis.” Jeblr 1, no. 2 (2021): 29–41.
Mukminati, Andan Hafsari. “Problematika Hukum Peer To Peer Lending Syariah Di Indonesia.” Jurnal Hukum dan Pembangunan Ekonomi 10, no. 2 (2022): 168.
Mustaqilla, Nazhira. “Implementasi Akad Wakalah Pada Fintech Peer-To-Peer (P2P) Lending Di Indonesia.” TAWAZUN?: Journal of Sharia Economic Law 5, no. 2 (2023): 236.
Nugraheni, Destri Budi. “Analisis Fatwa Dewan Syariah Nasional Tentang Wakalah, Hawalah, Dan Kafalah Dalam Kegiatan Jasa Perusahaan Pembiayaan Syariah.” Jurnal Media Hukum 24, no. 2 (2017): 124–136.
Nursyahida, Fadhila Ihsan, and Muhammad Hasanuddin. “Pengaruh Kemudahan Penggunaan Dan Risiko Pada Aplikasi Investree Terhadap Keputusan Bertransaksi Menggunakan Financial Technology (Fintech) Peer To Peer Lending Syariah.” LIKUID: Jurnal Ekonomi Industri Halal 2, no. 1 (2022): 26–37.
Pambudi, Rakhmat Dwi. “Perkembangan Fintech Di Kalangan Mahasiswa UIN Walisongo.” Harmony 4, no. 2 (2019): 74–81. https://journal.unnes.ac.id/sju/index.php/harmony/article/view/36456/15100.
Prastyanti, Rina Arum. “Perlindungan Hukum Dan Etika Bagi Pengguna Fintech Peer To Peer Lending.” RechtIdee 16, no. 2 (2021): 156–176.
Rahadiyan, Inda, and Nikmah Mentari. “Keterbukaan Informasi Sebagai Mitigasi Risiko Peer To Peer Lending (Perbandingan Antara Indonesia Dan Amerika Serikat).” Jurnal Hukum Ius Quia Iustum 28, no. 2 (2021): 325–347.
Rahmi, Azmi Aulia. “Perlindungan Konsumen Dalam Penggunaan Layanan.” Badamai Law Journal 5, no. 1 (2020): 201–217. https://ppjp.ulm.ac.id/journal/index.php/blj/article/download/9782/6752.
Rusydiana, Aam. “Bagaimana Mengembangkan Industri Fintech Syariah Di Indonesia? Pendekatan Interpretive Structural Model (ISM).” Al-Muzara’ah 6, no. 2 (2019): 117–128.
Safitri, Teti Anggita. “The Development of Fintech in Indonesia” 436 (2020): 666–670.
Subardi, Hani Meilita Purnama. “Mekanisme Pembiayaan Fintech Peer to Peer Lending Syariah Bagi UMKM Di Indonesia.” Jurnal Produktivitas 8, no. 2 (2021): 305–311.
Tiara Dewi, Muhammad Amir Masruhim, Riski Sulistiarini, Hille Haker, Robert Piercey, “Penerapan Manajemen Risiko Bagi Perusahaan Pembiayaan Dan Perusahaan Pembiayaan Syariah.” Laboratorium Penelitian dan Pengembangan FARMAKA TROPIS Fakultas Farmasi Universitas Mualawarman, Samarinda, Kalimantan Timur 27, no. 3 (2018): 259–280.
Wiyono, Teguh. “Mekanisme Dan Layanan Peer to Peer Lending Syariah Perspektif Ekonomi Islam (Studi Analisis Pada 13 Fintech Syariah Yang Terdaftar Di Otoritas Jasa Keuangan Per 19 Februari 2020).” IAIN Ponorogo, Ponorogo, Indonesia, 2020. http://etheses.iainponorogo.ac.id/9840/.