Linkage of Sharia Banking and Sharia Fintech to Support the Sustainable Development Goals Program
DOI:
https://doi.org/10.31958/imara.v7i2.10849Keywords:
Sharia Fintech, Sharia Banking, Sustanaible Development GoalsAbstract
Background In addition to Sharia banking, Islamic finance includes an Islamic financial institution called Sharia Fintech, which is currently under development and whose asset size will reach 128.87 billion rupees in March 2023. Both institutions can have synergistic effects in supporting various economic activities. If all this time Islamic financial institutions stand and run individually, then through synergy it will be easy to achieve goals and contribute to the economy and development.
Purpose. This study aims to explain the development of Islamic banking and Islamic fintech in Indonesia. and forming relationships between Islamic banks and Islamic fintech in support of the SDGs.
Method. The research method used is a literature review using qualitative methods. The data source used was secondary data, which was processed from existing data. Data collection used the Financial Services Authority's data library and other data relevant to the research topic. We used descriptive qualitative methods to analyze the data and described the development of Islamic banks, the development of Islamic fintech, and the form of collaboration between Islamic banks and Islamic fintech in supporting the SDGs.
Results. According to the study, in the development of Islamic banking, from December 2020 to March 2023, assets increased by 33.61% and the number of customers increased by 35%. For Islamic fintech, assets increased by 72.56% during the same period, while Sharia fintech players decreased by 30%. The form of collaboration between Islamic banks and Islamic fintechs can become partners that point the way to financing, especially in the micro-segment.
Conclusion. Fintech has the advantage of flexible access, allowing Islamic financial institutions to store funds and distribute finance. Customers who cannot be reached by banks can access Shariah-compliant fintech services. The interconnection of the two can foster economic activity, especially under the SDG agenda: poverty reduction, wealth creation, decent work, economic growth, inequality reduction, and partnership for the goals
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