SKRIPSI PBS

Model Bisnis Financial Technologgy Berbasis Peer To Peer Lending Syariah (Studi Pada Pt. Alami Fintek Sharia)

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ABSTRACT

This study aims to determine how the islamic peer to peer lending business model
conducted by PT. Alami Fintek Sharia. In addition, this study wants to find out how the islamic
peer to peer lending business model as an alternative financing for Small and Medium
Enterprises.
This study uses a qualitative approach, the data in this study are primary data which
obtained through online interviews (zoom, whatsapp, and google meet) and the secondary data
obtained by conducting document studies sourced from bibliography. Respondents of this
study, namely Business Managers, Risk Mitigation, and Marketing of PT. Alami Fintek Sharia.
Based on the results of the data analysis, it can be concluded that the islamic peer to
peer lending business model carried out by Alami Sharia is a financial service based on the
sharia principle mechanism that connects the beneficiary with the funder via internet
network. Alami Sharia provides invoice financing based on financing products with
competitive rates for Small and Medium Business players. In risk mitigation, Alami Sharia
performs measurements with credit scoring according to the level of risk in the business of the
prospective financing recipient. Then, islamic peer to peer lending can be an alternative
financing for Small and Medium Enterprises that are not bankable because they do not have
collateral which require working capital and maintaining the smooth flow of business
cash. Islamic peer to peer lending offers an easy, fast and flexible financing process, and it is
based on sharia compliance principles.
Keywords: Financial Technology; Peer to Peer Lending Sharia; Alternative Finance; Small

and Medium Enterprises

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Ketersediaan

Tidak ada salinan data

Informasi Detail

Judul Seri

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No. Panggil

2X6.1 PEN m 22

Penerbit

SUKOHARJO : Perbankan Syariah_UIN RM Said., 2022

Deskripsi Fisik

21 cm, 112 halaman

Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

2X6.1

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

Perbankan Syariah

Info Detail Spesifik

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Pernyataan Tanggungjawab

Pentrilia Zuliani Anggis Sadewi

Versi lain/terkait

Lampiran Berkas

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