PENGARUH FINTECH SYARIAH TERHADAP PENINGKATAN INKLUSI KEUANGAN BAGI PELAKU UMKM (Studi Kasus P2P Financing Syariah di Indonesia)
Abstract
Full Text:
PDFReferences
Adamek, J., & Solarz, M. (2023). Adoption factors in digital lending services offered by fintech lenders. Oeconomia Copernicana, 14(1), 169–212. https://doi.org/10.24136/oc.2023.005
AFPI. (2023). AFPI dan EY Luncurkan Riset Segmentasi UMKM Untuk Perkuat Pertumbuhan Ekonomi Nasional. Afpi.or.Id. https://afpi.or.id/articles/detail/afpi-dan-ey-luncurkan-riset-segmentasi-umkm-untuk-perkuat-pertumbuhan-ekonomi-nasional
AFTECH. (2023). AFTECH Annual Members Survey 2022/2023 “Fintech Indonesia - Mantap Melangkah ke Arah Keberlanjutan dan Inklusi.” https://fintech.id/id/dokumen/aftech-annual-members-survey-2022
Aloulou, M., Grati, R., Al-Qudah, A. A., & Al-Okaily, M. (2023). Does FinTech adoption increase the diffusion rate of digital financial inclusion? A study of the banking industry sector. Journal of Financial Reporting and Accounting. https://doi.org/10.1108/JFRA-05-2023-0224
Alrasyid, H., Rabbani, M. R., & Afifudin. (2023). Embracing the digital economy : Exploring the role of trust , perceived ease of use , and religiosity on intention to use Islamic peer-to-peer lending. 20(2), 283–305. https://doi.org/10.31106/jema.v20i2.9097
Aminah, Soewito, Erisna, N., Tarmizi, R., & Redaputri, A. P. (2020). The Role Of Fintech And Sharia Banking Industries In Increasing Economics Inclusion In Indonesia. International Journal of Scientific & Technology Research, 9(2), 979–982.
Amnas, M. B., Selvam, M., Raja, M., Santhoshkumar, S., & Parayitam, S. (2023). Understanding the Determinants of FinTech Adoption: Integrating UTAUT2 with Trust Theoretic Model. Journal of Risk and Financial Management, 16(12), 505. https://doi.org/10.3390/jrfm16120505
Anah, L., & Ningsih, L. S. R. (2020). Tingkat Islamic Financial Literacy dan Penggunaan Fintech Terhadap Financial Inclusion UMKM Kawasan Pondok Pesantren di Kota Jombang. Jurnal BAABU AL-ILMI: Ekonomi Dan Perbankan Syariah, 5(2), 127. https://doi.org/10.29300/ba.v5i2.3551
Au, C. H., Tan, B., & Sun, Y. (2020). Developing a P2P lending platform: stages, strategies and platform configurations. Internet Research, 30(4), 1229–1249. https://doi.org/10.1108/INTR-03-2019-0099
Baba, M. A., Haq, Z. ul, Dawood, M., & Aashish, K. (2023). FinTech Adoption of Financial Services Industry: Exploring the Impact of Creative and Innovative Leadership. Journal of Risk and Financial Management, 16(10). https://doi.org/10.3390/jrfm16100453
Bank Indonesia. (2018). MENGENAL FINANCIAL TEKNOLOGI. Bi.Go.Id. https://www.bi.go.id/id/edukasi/Pages/mengenal-Financial-Teknologi.aspx
Bongomin, G. O. C., Munene, J. C., Ntayi, J. M., & Malinga, C. A. (2017). Financial literacy in emerging economies: Do all components matter for financial inclusion of poor households in rural Uganda? Managerial Finance, 43(12), 1310–1331. https://doi.org/10.1108/MF-04-2017-0117
Chuttur, M. (2009). Association for Information Systems AIS Electronic Library (AISeL) Overview of the Technology Acceptance Model: Origins, Developments and Future Directions. Working Papers on Information Systems, 9(37), 9–37.
Danuri, M. (2019). Perkembangan Dan Transformasi Teknologi Digital. Jurnal Infokam, XV(II), 116–123.
Darma, S. (2023). Peluang dan Tantangan dan Islamic Fintech. Glossary : Jurnal Ekonomi Syariah, 1(1), 14–25. https://doi.org/10.52029/gose.v1i1.113
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319. https://doi.org/10.2307/249008
Dharmastuti, C. F., Pangestu, S., & Kusumahadi, T. A. (2022). Consistency of Mobile Payment Usage, Performance, and Financial Inclusion. Business and Entrepreneurial Review, 22(2), 311–326. https://doi.org/10.25105/ber.v22i2.14179
Dinar Standard. (2022). Global Islamic Fintech Report 2022. Global Islamic Fintech Report, 56. https://cdn.salaamgateway.com/special-coverage/islamic-fintech-2021/Global-Islamic-Fintech-Report-2021-Executive-Summary.pdf
FSB. (2023). FINTECH. Fsb.Org. https://www.fsb.org/work-of-the-fsb/financial-innovation-and-structural-change/fintech/#:~:text=The FSB defines FinTech as,the provision of financial services
Galloway, I. (2009). Peer-to-peer lending and community development finance. Community Investments, 21(3), 19-23.
Hamzah, N., Othman, Y. H., & Cheumar, M. (2023). Perceived Usefulness and Intention To Use Fintech By Islamic Voluntary Funds Contributors in Kampala City: Age As Amoderating Effect. Journal of Contemporary Issues in Business and Government., 1(April), 14–22.
Hanif, M. A., & Santosa, P. B. (2023). TAM Construct, Trust, and Religiosity for Decision of Muslim Lenders to Use Funding Services on Sharia Peer-to-Peer Lending Platforms (Website and Apps). Jurnal Ekonomi Syariah Teori Dan Terapan, 10(2), 151–168. https://doi.org/10.20473/vol10iss20232pp151-168
Hasyim, I. S., Hanif, & Anggraeni, E. (2023). Analysis of Perceived Usefulness, Perceived Ease of Use, Trust, And Sharia Financial Literature on The Adoption of Sharia Fintech By MSMEs. Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 5(3), 1218–1234. https://doi.org/10.47467/alkharaj.v5i3.1572
International Monetary Fund. (2018). IMF executive board adopts decisions to formally recognize the core principles for Islamic finance regulation (CPIFR) for banking. www.imf.org/en/News/Articles/2018/05/24/pr18193imf-adopts-decisions-to-the-cpifrfor-banking
Kim, Y., Park, Y.-J., Choi, J., & Yeon, J. (2015). An Empirical Study on the Adoption of “Fintech” Service: Focused on Mobile Payment Services. 136–140. https://doi.org/10.14257/astl.2015.114.26
Lim, K. B., Lo, C. Z., Yeo, S. F., & Tan, C. L. (2023). Understanding of Peer-to-Peer Lending Platform Intention : Evidence among Millennials. 15(3), 95–111.
Maharseni, N. W. R., Rasmini, N. K., Ariyanto, D., & Mimba, N. P. S. H. (2022). Technology Acceptance Model Dalam Penggunaan Financial Technology Lending Pada Generasi Milenial. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 11(05), 1000–1013. https://ojs.unud.ac.id/index.php/EEB/
Marini, L., & Putra, R. E. (2020). Peran Fintech terhadap Inklusi Keuangan pada UMKM Tangerang Selatan. Keberlanjutan : Jurnal Manajemen Dan Jurnal Akuntansi, 5(2), 91. https://doi.org/10.32493/keberlanjutan.v5i2.y2020.p91-104
Mufaidah, M. (2022). The Impact of Financial Inclusion and Islamic Fintech on the Challenges of the SDGs (Sustainable Development Goals). Budapest International Research and Critics Institute (BIRCI-Journal). https://doi.org/10.33258/birci.v5i1.4170
Mulasiwi, C., & Julialevi, K. (2020). Optimalisasi Financial Teknologi (Fintech) terhadap Peningkatan Literasi dan Inklusi Keuangan Usaha Menengah Purwokerto. Jurnal Personalia, Financial, Operasional, Marketing Dan Sistem Informasi, 27(1), 12-20. https://doi.org/10.32424/1.jp.2020.27.1.2284
Muliadi, M. L., & Japarianto, E. (2021). ANALISA PENGARUH PERCEIVED EASE OF USE TERHADAP BEHAVIOR INTENTION MELALUI PERCEIVED USEFULNESS SEBAGAI MEDIA INTERVENING PADA DIGITAL PAYMENT OVO. Jurnal Manajemen Pemasaran, 15(1), 20–27. https://doi.org/10.9744/pemasaran.15.1.20-27
Muryanto, Y. T., Kharisma, D. B., & Ciptorukmi Nugraheni, A. S. (2022). Prospects and challenges of Islamic fintech in Indonesia: a legal viewpoint. International Journal of Law and Management, 64(2), 239–252. https://doi.org/10.1108/IJLMA-07-2021-0162
Nurfadilah, D., & Samidi, S. (2021). HOW THE COVID-19 CRISIS IS AFFECTING CUSTOMERS’ INTENTION TO USE ISLAMIC FINTECH SERVICES: EVIDENCE FROM INDONESIA. Journal of Islamic Monetary Economics and Finance, 7. https://doi.org/10.21098/jimf.v7i0.1318
OJK, S. (2022). Infografis Hasil Survei Nasional Literasi dan Inklusi Keuangan Tahun 2022. Ojk.Go.Id. https://ojk.go.id/id/berita-dan-kegiatan/info-terkini/Pages/Infografis-Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2022.aspx
Pardiansyah, E., Sobari, N., & Usman, H. (2022). The Determinants of Intention to Adopt Islamic Financial Technology in Indonesia. 10(2), 347–380.
Pratama, M. A. (2022). INKLUSI KEUANGAN DIGITAL DORONG PERTUMBUHAN EKONOMI. Bi.Go.Id. https://www.bi.go.id/id/bi-institute/BI-Epsilon/Pages/Inklusi-Keuangan-Digital-Dorong-Pertumbuhan-Ekonomi.aspx
Pulungan, D. R., & Ndururu, A. (2019). Pengaruh Literasi Keuangan Dan Modal Sosial Terhadap Inklusi Keuangan Mahasiswa. Seminar Nasional & Call Paper Seminar Bisnis Magister Manajemen 2019, 2685–1474, 132–142.
Purwantini, A. H., Noor Athief, F. H., & Waharini, F. M. (2020). Indonesian Consumers’ Intention of Adopting Islamic Financial Technology Services. Shirkah: Journal of Economics and Business, 5(2), 171. https://doi.org/10.22515/shirkah.v5i2.304
Puspitasari, S., Mahri, A. J. W., & Utami, S. A. (2020). Indeks Inklusi Keuangan Syariah di Indonesia. Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah, 4(1). https://doi.org/10.29313/amwaluna.v4i1.5094
Putri, I. S., & Friantin, S. H. E. (2021). Dampak Fintech Syariah Dalam Meningkatkan Keuangan Inklusif Pada UMKM Di Indonesia. BHIRAWA, 6(1), 47-54.
Rabbani, M. R., Khan, S., & Thalassinos, E. I. (2020). FinTech, blockchain and Islamic finance: An extensive literature review. International Journal of Economics and Business Administration, 8(2), 65–86. https://doi.org/10.35808/ijeba/444
Rahadian, A., & Thamrin, H. (2023). Analysis of Factors Affecting MSME in Using Fintech Lending as Alternative Financing: Technology Acceptance Model Approach. Brazilian Business Review, 20(3), 301–322. https://doi.org/10.15728/bbr.2023.20.3.4.en
Rahim, N. @. F., Bakri, M. H., Fianto, B. A., Zainal, N., & Hussein Al Shami, S. A. (2023). Measurement and structural modelling on factors of Islamic Fintech adoption among millennials in Malaysia. Journal of Islamic Marketing, 14(6), 1463–1487. https://doi.org/10.1108/JIMA-09-2020-0279
Rahmawati, L., Rahayu, D. D., Nivanty, H., & Lutfiah, W. (2020). Fintech Syariah : Manfaat Dan Problematika Penerapan Pada Umkm. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 5(1), 75–90.
Sadya, S. (2023). APJII: Pengguna Internet Indonesia 215,63 Juta pada 2022-2023le. Dataindonesia.Id. https://dataindonesia.id/internet/detail/apjii-pengguna-internet-indonesia-21563-juta-pada-20222023
Santika, E. F. (2023). 10 Negara dengan Populasi Muslim Terbanyak Dunia 2023, Indonesia Memimpin! Databoks.Katadata.Co.Id. https://databoks.katadata.co.id/datapublish/2023/10/19/10-negara-dengan-populasi-muslim-terbanyak-dunia-2023-indonesia-memimpin#:~:text=RISSC mencatat%2C jumlah populasi muslim,62 juta jiwa pada 2023.
Schueffel, P. (2017). Taming the Beast: A Scientific Definition of Fintech. Journal of Innovation Management, 4(4), 32–54. https://doi.org/10.24840/2183-0606_004.004_0004
Setyawati, R. E. (2020). Pengaruh Perceived Usefullness, Perceived Ease of Use Terhadap Behavioral Intention To Use dengan Atittude Towards Using sebagai Variabel Intervening (Studi Kasus Pada Gopay Dikota Yogyakarta). Jurnal Ekobis Dewantara, 3(1), 39–51. https://doi.org/10.26460/ed_en.v3i1.1470
Sheda, G. A. (2023). ANALISIS PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN DAN LIFESTLYE TERHADAP PERILAKU FINANSIAL PADA IGENERATION (Z). PAPATUNG: Jurnal Ilmu Administrasi Publik, Pemerintahan Dan Politik, 6(1), 25–33. https://doi.org/10.54783/japp.v6i1.660
Sukandar, F., & Hermawan, S. (2022). Fintech Adoption for SME Development: Perceived Usefulness and Ease of Use. Academia Open, 7. https://doi.org/10.21070/acopen.7.2022.3469
Syauqi, A., Suryani, E., & Nugraha, I. N. (2023). The Effect of Financial Technology (Fintech) on the Development of SME with Financial Inclusion as a Mediation Variable: Study on SME’s Creative Economic Sector in Lombok. International Journal of Multicultural Ad Multireligious Understanding, 10(4), 683–696. http://dx.doi.org/10.18415/ijmmu.v10i4.4749
Tan, E., Kusumah, D. H., & Damanik, A. (2021). Impresi e-Payment dan Niat Berperilaku Baru Bagi Pemanfaatan Inklusi Keuangan Digital UMK. Jurnal Pengembangan Wiraswasta, 23(3), 163. https://doi.org/10.33370/jpw.v23i3.643
Venkatesh, Morris, Davis, & Davis. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425. https://doi.org/10.2307/30036540
Venkatesh, Thong, & Xu. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157. https://doi.org/10.2307/41410412
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2016). Unified Theory of Acceptance and Use of Technology: A Synthesis and the Road Ahead by Viswanath Venkatesh, James Y.L. Thong, Xin Xu :: SSRN. Journal of the Association for Information Systems, 17(5), 328–376. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2800121
World Bank. (2022). Fintech and SME Finance: Expanding Responsible Access. http://hdl.handle.net/10986/37355
Refbacks
- There are currently no refbacks.