ANALISIS INVOICE FINANCING PADA FINTECH SYARIAH (PT. Alami Fintek Sharia)

Salekhah, Fitri

doi:10.47887/amd.v2i1.17

Cited by 2 publications

(2 citation statements)

References 5 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…Di Indonesia, progres pengembangan fintech syariah memiliki peluang yang sangat luas dan baik, karena saat ini belum banyak pemilik usaha bisnis yang mendirikan fintech berdasarkan prinsip syariah. Indonesia sendiri merupakan salah satu pangsa pasar yang terbesar untuk layanan transaksi produk berbasis syariah (Wijayanti & Riza (2017) pada Salekhah (2021)).…”

Section: Pendahuluanunclassified

Perkembangan Perusahaan Fintech Indonesia: Sebuah Tinjauan Produk, Akad dan Performa pada ALAMI Sharia

Adisaputra,

Muttaqien

2023

IESBIR

View full text Add to dashboard Cite

Islamic fintech industry provides solutions for SMEs who need funding access besides banks. One of the Islamic fintechs contributing to the economy in Indonesia is PT. Alami Fintek Sharia or commonly known as ALAMI Sharia. This article attempts to describe the products and contracts used by ALAMI Sharia and its financial condition from 2019 to 2021. The method used is descriptive analysis of data obtained from primary and secondary data sources. The research results show that ALAMI has 3 types of products, namely invoice financing, purchase order financing, and community-based financing. In these products, the contracts used are a combination of Wakalah bil Ujroh, Hawalah bil Ujroh, Qardh, Murabahah, and Musyarakah. On the other hand, ALAMI Sharia has shown good performance in 2021 by recording several financial ratios, namely the current ratio of 132%, Net Profit Margin of 5%, ROI of 7%, ROE of 19%, debt to Asset Ratio of 62%, and debt to Equity Ratio of 165%.

show abstract

Section: Pendahuluanunclassified

Perkembangan Perusahaan Fintech Indonesia: Sebuah Tinjauan Produk, Akad dan Performa pada ALAMI Sharia

Adisaputra,

Muttaqien

2023

IESBIR

View full text Add to dashboard Cite

show abstract

“…Setelah tahapan credit scoring selesai maka PT. Alami Fintek Sharia akan memberikan penawaran perjanjian pembiayaan 38 ֎ Al-Masraf (Jurnal Lembaga Keuangan dan Perbankan) Volume 8, Nomor 1, Januari -Juni 2023 (Salekhah, 2021). Berikut skema dalam pembiayaan invoice financing pada PT.…”

Section: A Invoice Financingunclassified

Implementasi Pembiayaan Syariah Melalui Akad Musyarakah Dan Mudharabah Pada Financial Technology Syariah

AUGUSNA,

ROZALINDA

2023

Al-Masraf

View full text Add to dashboard Cite

Technological advances have brought many changes, including a change in financial technology (Fintech) to make it easier for people to access financial services. This study aims to elaborate on the implementation of musyarakah and mudharabah contracts at PT. Alami Fintek Sharia and to analyse the uniqueness of its operations compared to other fintech. This study uses a qualitative approach with primary data collected through in-depth interviews with the managers of PT. Alami Fintek Sharia. The collected data were then arranged thematically based on the information obtained and analysed using an interactive model from Miles and Huberman, which included data reduction, data presentation and conclusion. The results of this study indicate that PT. Alami Fintek Sharia has 3 financing products: invoice financing, purchase order financing, and ecosystem financing. These three financing products apply various contracts, especially musyarakah and mudharabah contracts. Ecosystem financing is the financing that is most in demand by the public, and this financing is aimed at empowering SMEs, SMEs, farmers and breeders. The uniqueness of the musyarakah contract is that it is implemented according to the rules so that there is openness between the financing provider and the recipient.

show abstract

ANALISIS INVOICE FINANCING PADA FINTECH SYARIAH (PT. Alami Fintek Sharia)

Cited by 2 publications

References 5 publications

Perkembangan Perusahaan Fintech Indonesia: Sebuah Tinjauan Produk, Akad dan Performa pada ALAMI Sharia

Perkembangan Perusahaan Fintech Indonesia: Sebuah Tinjauan Produk, Akad dan Performa pada ALAMI Sharia

Implementasi Pembiayaan Syariah Melalui Akad Musyarakah Dan Mudharabah Pada Financial Technology Syariah

Contact Info

Product

Resources

About