Analisis Peran Fintech Syariah dalam Meningkatkan Keuangan Inklusif pada UMKM Kota Medan

Authors

  • Ahmad Riadi Rangkuti Universitas Islam Negeri Sumatera Utara
  • Nurbaiti Universitas Islam Negeri Sumatera Utara
  • Mawaddah Irham Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.30651/jms.v8i3.20403

Abstract

Abstract

financial technology or financial technology is the use of technology in the financial system that produces products, services, technology and/or business models and can have an impact on monetary stability, financial system stability, efficiency, smoothness, security and reliability of the payment system. Fintech is an innovation in the financial services industry that utilizes the use of technology. Meanwhile, Sharia Fintech is a financial service or product that uses technology based on a sharia scheme. This study aims to determine the role of Fintech in increasing financial inclusion in UMKM in Medan City. What are the obstacles in implementing Fintech in increasing inclusive finance for UMKM in Medan City, and what are the risks of implementing Fintech in increasing inclusive finance for UMKM in Medan City. The type of data used in this study is qualitative data while the data sources are primary data and secondary data. The data collection method in this study was carried out using interviews, documentation and literature study. From the results of data analysis which can then be drawn conclusions. This research was conducted by giving a series of questions to the owner of Siti Khadijah's Warung Qu and Batik Business. Based on the research results, the researcher draws the conclusion that the role of fintech for UMKM is in the form of ease of transactions, with Fintech transactions at this time are faster, safer, easier and more reliable besides that fintech also has financial regulatory features that aim to make it easier for UMKM to manage their finances. One of the implementations of Fintech is human resources (HR) who still don't understand technology. The risk of implementing Fintech for MSMEs is the occurrence of online crimes or known as cyber cream, such as fraud and account theft.

Keywords: Fintech, Inclusive Finance, UMKM

Downloads

Published

2023-09-28

How to Cite

Riadi Rangkuti, A., Nurbaiti, & Irham, M. (2023). Analisis Peran Fintech Syariah dalam Meningkatkan Keuangan Inklusif pada UMKM Kota Medan. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 8(3). https://doi.org/10.30651/jms.v8i3.20403

Issue

Vol. 8 No. 3 (2023)

Section

Artikel

License

The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya as publisher of the journal.

Copyright encompasses exclusive rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. The reproduction of any part of this journal, its storage in databases and its transmission by any form or media, such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc., will be allowed only with a written permission from Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.

Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya, the Editors and the Advisory Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the Tadarus are sole and exclusive responsibility of their respective authors and advertisers.

Rights of Authors
The Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah And Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya recognize the retention of the following:

  • Patent and trademark rights and rights to any process or procedure described in the article.
  • The right to photocopy or make single electronic copies of the article for their own personal use, including for their own classroom use, or for the personal use of colleagues, provided the copies are not offered for sale and are not distributed in a systematic way outside of their employing institution (e.g. via an e-mail list or public file server). Posting of an article on a secure network (not accessible to the public) within the author institution is permitted.
  • The right, subsequent to publication, to use the article or any part thereof free of charge in a printed compilation of works of their own, such as collected writings or lecture notes.