Solusi Financial Technology Syariah Terhadap Persoalan Keuangan Anggota Koperasi Karyawan
DOI:
https://doi.org/10.31958/ab.v2i2.6642Keywords:
Peer to Peer, Financial Technology, Islamic Finance, MurabahaAbstract
This study is to seek Islamic financial solution for members of employee cooperative in a particular firm by using Financial Technology platform which meet sharia terms and conditions. Methodology is Using the existing literature on FinTech and incorporating these contributions into a traditional Islamic financial structure, characteristics are outlined and placed into a framework that describes the industry. The findings that Islamic P2P Financing could propose a solution for financial problem faced by employee who need with limited amount for short period of time which Islamic banks could not provide. The findings of the study serve as a reference to industry players and regulators in formulating peer to peer financing for employee cooperative members and other similar cooperatives. This paper contributes by defining FinTech in Islamic finance and proposes term peer to peer financing instead of peer to peer lending which is not suitable with the nature of Islamic finance.References
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Ali, M. M., & Hassan, R. (2020). Survey on Sharīʿah non-compliant events in Islamic banks in the practice of tawarruq financing in Malaysia. ISRA International Journal of Islamic Finance, 12(2), 151–169. https://doi.org/10. 1108/IJIF-07-2018-0075
Amalia, E., & Rahmatullah, I. (2020). Strategic Alliances between Sharia Microfinance Institutions and Financial Technology in Strengthening Small Micro Enterprises for Socio Economic Justice. https://doi.org/10.5220 /0009944224442452
Arner, D. W., Barberis, J. N., & Buckley, R. P. (2015). The Evolution of Fintech: A New Post- Crisis Paradigm? SSRN Electronic Journal, January. https://doi.org/ 10.2139/ssrn.2676553 Baihaqi, J. (2018). Financial Technology Peer-To-Peer Lending Berbasis Syariah Di Indonesia.
TAWAZUN : Journal of Sharia Economic Law, 1(2), 116. https://doi.org/ 10.21043/tawazun.v1i2.4979
Chishti, S., & Barberis, J. (2016). The FinTech Book : The Financial Technology Handbook for Investors , Entrepreneurs and Visionaries Your Complete Guide to Factor-Based Investing : The Way Smart Money Invests Today. Financial Analysis Journal.
Creswell, J., & Poth, C. (2013). Qualitative Inguiry Research Design. In Journal of Chemical Information and Modeling (Vol. 53, Issue 9).
Darmansyah, Fianto, B. A., Hendratmi, A., & Aziz, P. F. (2020). Factors determining behavioral intentions to use Islamic financial technology: Three competing models. Journal of Islamic Marketing, August 2019. https://doi.org/10.1108/JIMA-12-2019-0252
DSN-MUI. (2018). Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia No:117/DSN-MUI/II/2018 Tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah. 14.
Hudaefi, F. A. (2020). How does Islamic fintech promote the SDGs? Qualitative evidence from Indonesia. Qualitative Research in Financial Markets, 12(4), 353–366. https://doi.org/10.1108 /QRFM-05-2019-0058
Huebner, J., Vuckovac, D., Fleisch, E., & Ilic, A. (2019). Fintechs and the new wave of financial intermediaries. Proceedings of the 23rd Pacific Asia Conference on Information Systems: Secure ICT Platform for the 4th Industrial Revolution, PACIS 2019.
Knewtson, H. S., & Rosenbaum, Z. A. (2020). Toward understanding FinTech and its industry. https://doi.org/10.1108/MF-01-2020-0024
Kumar, V., Sundarraj, R. P., Kumar, V., & Sundarraj, R. P. (2016). Article information :
Miskam, S., Yaacob, A. M., & Rosman, R. (2019). Fintech and Its Impact on Islamic Fund Management in Malaysia: A Legal Viewpoint. Emerging Issues in Islamic Finance Law and Practice in Malaysia, 223–246. https:// doi.org/10.1108/978-1-78973-545-120191019
Omoola, S. (2019). Fintech in Islamic Finance- Theory and Practice by Umar A. Oseni and S. Nazim Ali (Eds.). IIUM Law Journal. https://doi.org/10.31436/iiumlj.v27i1.469
Pişkin, M., & Kuş, M. C. (2019). Islamic Online P2P Lending Platform. Procedia Computer Science, 158, 415–419. https://doi.org/10. 1016/j.procs.2019.09.070
Shaikh, I. M., Qureshi, M. A., Noordin, K., Shaikh, J. M., Khan, A., & Shahbaz, M. S. (2020).
Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model. Foresight, 22(3), 367–383. https://doi.org/ 10.1108/FS-12-2019-0105
Statista. (2017). FinTech ’ s growing influence on Financial Services. Global Fintech Report.
Usman, H., Mulia, D., Chairy, C., & Widowati, N. (2020). Integrating trust, religiosity and image into technology acceptance model: the case of the Islamic philanthropy in Indonesia. Journal of Islamic Marketing. https://doi.org/10.1108/JIMA-01-2020-0020
Kasali, Rhenald. Tomorrow is today Series on disruption. Mizan, 2017.
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Published
2022-07-30
How to Cite
Ali, N. M., & Amalia, E. (2022). Solusi Financial Technology Syariah Terhadap Persoalan Keuangan Anggota Koperasi Karyawan. Al-Bank: Journal of Islamic Banking and Finance, 2(2), 166–178. https://doi.org/10.31958/ab.v2i2.6642
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