Sistem Integrasi Proteksi & Manajemen Resiko Platform Fintech peer to peer (P2P) Lending dan Payment Gateway untuk Meningkatkan Akslerasi Pertumbuhan UMKM 3.0

Yulianti Manan

Abstract


The MSMEs (Micro, Small and Medium Enterprises) mentioned by the government as the backbone of the Indonesian economy are also still many that have not been touched by financial services or are unbankable. Currently in line with the development of information technology in financial services, the Fintech P2P lending ecosystem and payment gateways are growing rapidly and become one of the cash less payment options, an alternative option for new types of financing due to multi-advantages; fast, collateral-free and technology-based process which is a culture of supporting MSME generation to 3.0. The Fintech P2P Lending and Payment gateway business that is oriented towards IT Base financial reporting still requires a risk management and governance system to reduce and minimize the risk of fraud, bankruptcy, default and other risks. The purpose of this research is to analyze and study innovative solutions to the Fintech business model platform related to protection system management by establishing a central and strategic role between the regulator and Fintech providers. This research uses descriptive research design by using GAP Analysis to research and develop and collaborate on innovation, especially in Fintech business operating systems.



Keywords


MSMEs, fintech, peer to peer (P2P) lending, payment gateway

Full Text:

PDF

References


Agung, Gregorius, (2004). 11 Script Spektakuler Active Server Pages. Penerbit PT. Elex Media Komputindo, Jakarta.

Arner, D.W., Barberis, J., and Buckley, R.O. (2017). FinTech and RegTech in a nutshell, and the future in sandbox. CFA Institute. Research Foundations Briefs, 3, 1-20

Amperiyanto, Tri, (2006). Melihat Keamanan Windows Vista. Penerbit PT. Elex Media Komputindo, Jakarta

Ahza Anwari. Perkembangan Regulasi Manajemen Resiko. dalam artikel yang diakses tanggal 2 Februari 2014 http://www.bankirnews.com.

Bank Indonesia. (2014). Departemen Pengembangan Akses Keuangan dan UMKM. Diakses 30 Agustus 2016 dari http://www.bi.go.id/id/perbankan/keuanganinklusif/edukasi/Contents/Buku%20Saku%20Keuangan%20Inklusif.pdf

Buckley, R.P., and Malady, L. (2015). Building consumer demand for digital financial services– the new regulatory frontier. Journal of Financial Perspectives, 122-137.

Cumming, D.J., and Schwienbacher, A. (2016). Fintech Venture Capital. SSRN Working Papers.Available at: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2784797

European Central Bank (ECB) (2017). Guide to assessment of fintech credit institutions license applications. September 2017. Available at: https://www.bankingsupervision.europa.eu/legalframework/publiccons/pdf/licensing_and_fintech/ssm.guide_on_assessment_for_licensing_of_fintech_credit_insts_draft.en.pdf

Fintech.id (2017). Kegiatan Pembayaran Gaya Baru dalam Dunia Fintech. diakses tanggal 26 Mei 2017 dari https:// Fintech.id

Fintech.id (2017). Fintech dan TTE. diakses tanggal 26 Mei 2017 dari https:// Fintech.id

Giannetti, M., and Ongena, S. (2012). “Lending by example”: Direct and indirect effects offoreign banks in emerging markets. Journal of International Economics, 86, 167-180.

Jogiyanto, HM, (1990). Analisis & Disain Sistem Informasi. Pendekatan terstruktur Teori dan Praktek Aplikasi Bisnis. Andi Offset. Yogyakarta.

Lawrence, Jacowitz, (2005). Advanced Software Project Management, West Virginia University-USA.

Muzdalifah, and Rahma. (2018). “Peran Fintech Dalam Meningkatkan Keuangan Inklusif Pada UMKM di Indonesia (Pendekatan Keuangan Syariah)”. Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol. 3, No. 1, 2018.

Redaksi Majalah SWA. 2009. Bangkitnya Franchise Lokal. Jakarta

Otoritas Jasa Keuangan. (2016). Capaian Kinerja 2015 dan Program Strategis 2016 Industri Keuangan Non-Bank. Diakses pada tanggal 15 Agustus 2016 dari http://www.ojk.go.id/id/kanal/iknb/berita-dan-kegiatan/infoterkini/Pages/Capaian-Kinerja-2015-dan-Program-Strategis-2016-Dari-IndustriKeuangan-Non-Bank.aspx

Otoritas Jasa Keuangan (2017). POJK Nomor 77 tahun 2012 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi (LPMUBTI) diakses tanggal 26 Mei 2017 dari http://www.ojk.go.id/id/regulasi/otoritas-jasa-keuangan/peraturan-ojk/Documents/Pages/POJK-Nomor-77-POJK.01-2016/SAL%20-%20POJK%20Fintech.pdf

Veitzhal, Rivai, (2002). Islamic Risk Management For Islamic Bank. Kompas Gramedia. Jakarta

World Economic Forum (WEF) (2015). The Future of Financial Services How disruptive innovations are reshaping the way financial services are structured, provisioned and consumed. Juni 2015. Available at: http://www3.weforum.org/docs/WEF_The_future__of_financial_services.pdf




DOI: https://doi.org/10.12928/ijiefb.v2i1.847

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.


Ihtifaz : Journal of Islamic Economics, Finance, and Banking

Kampus 4 Universitas Ahmad Dahlan
Jl. Ring Road Selatan, Tamanan, Banguntapan, Bantul, Daerah Istimewa Yogyakarta 55191
Telp. (0274) 563515; Fax. (0274) 564604
E-mail : ihtifaz@uad.ac.id 


p-ISSN: 2622-4755 | e-ISSN: 2622-4798


View My Stats