Desain Aplikasi Financial Technology (Fintech) Pada Perempuan Korban PHK Terdampak Covid – 19 Dengan Sistem Redistribusi Penghasilan Berbasis Layanan Filantropi

Abstract

The impact of the global economic crisis due to the Corona Virus Pandemic or Covid-19 is felt by the entire world population, including the people of Indonesia. Many Bankrupt Industries have resulted in an increase in layoffs, especially for women, considering the very large role of women and being the supporter of the family economy; then the role of this woman needs to be strengthened again, so that the survival of their family will be guaranteed. In addition, the dynamics of the field require creative solutions to increase financial inclusion. One of them is through the use of the philanthropic service sector. In the difficult economic conditions during the corona virus (Covid-19) pandemic in Indonesia, this did not reduce public philanthropy, on the contrary, it tends to continue to increase. A philanthropic business model that will be built by bringing together donors and female workers affected by Covid-19. They can interact directly without the need for an intermediary. The research method used is the Waterfall method which includes the analysis phase, the design phase, the implementation phase, the testing phase, including blackbox, whitebox and usability testing with SUS (System Usability Scale). The results of the System Usability Scale (SUS) test have an average SUS score of 86.5, which means the system is feasible to use. It is hoped that with this e-sharing platform, it can facilitate people who have a fixed income or who do not have the risk of losing their jobs in the midst of this pandemic to distribute a small portion of their wealth in an egalitarian format to those who are disadvantaged by the Covid-19 restrictions. Keywords: Fintech; filantropi; platform; PHK AbstrakDampak krisis ekonomi global akibat Pandemik Virus Corona atau Covid-19 sangat dirasakan oleh seluruh penduduk dunia, termasuk masyarakat Indonesia. Banyak Industri Bangkrut yang mengakibatkan kenaikan PHK meningkat khususnya perempuan, mengingat peran wanita sangat besar dan menjadi penopang ekonomi keluarga; maka peran wanita ini perlu diperkuat lagi, sehingga kelangsungan hidup keluarga mereka akan terjamin. Disamping itu, dinamika lapangan membutuhkan solusi kreatif untuk meningkatkan inklusi keuangan. Salah satunya lewat pemanfaatan sektor layanan filantropi. Dalam kondisi ekonomi yang sulit pada masa pandemi virus corona (Covid-19) di Indonesia tidak membuat filantropi masyarakat menurun, sebaliknya justru cenderung terus meningkat. Model bisnis filantropi yang akan dibangun dengan mempertemukan antara para donatur dan pekerja wanita yang terdampak covid-19. Mereka bisa langsung berinteraksi tanpa perlu kehadiran intermediary. Metode penelitian yang digunakan adalah menggunakan metode Waterfall yang meliputi tahap analisis (analysis), tahap perancangan (design), tahap implementasi (implementation), tahap pengujian (testing) antara lain blackbox, whitebox dan Usability dengan pengujian SUS (System Usability Scale). Hasil pengujian System Usability Scale (SUS) rata-rata skor SUS sebesar 86,5 yang berarti sistem layak digunakan. Diharapkan dengan adanya platform e-sharing ini, dapat memfasilitasi masyarakat yang berpendapatan tetap atau yang tidak memiliki resiko kehilangan pekerjaan di tengah pandemi ini untuk mendistribusikan sebagian kecil kekayaannya dalam format egaliter ke mereka yang dirugikan restriksi Covid-19.

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