Model Financial Dan Teknologi (Fintech) Membantu Permasalahan Modal Wirausaha UMKM Di Indonesia

Abstract

The objectives of this study are (1) to find out the effect of technology-based financing models in helping entrepreneurial capital problems in society, Indonesia, (2) Knowing the types of technology-based financing models to help entrepreneurial capital problems in society, Indonesia, (3) Helping MSMEs capital in the future, (4) Helping solutions to business capital problems in entrepreneurial activities. Qualitative descriptive research is aimed at describing and describing existing phenomena, both natural and human engineering, which pay more attention to the characteristics, quality, and interrelationship between activities. In addition, this study does not provide treatment, manipulation or alteration on the variables studied, but describes a condition that is. Data collection techniques are derived from secondary data while the research instrument utilizing the results of the research that has been done both comes from journals, the Internet and books. From several research results illustrate that: (1) activities related to finance and technology are indeed needed by MSMEs with the current situation, (2) There is a relationship between financial and technological models (fintech) in helping MSME entrepreneurial capital problems, (3) Models financial and technology (fintech) consists of several kinds, among others: (a) crowd funding and peer to peer lending, (b) Market aggregator, (c) Risk and Investment Management and (d) Payment, settlement and clearing. (4) The results of research that greatly help MSME entrepreneurs in obtaining capital to maintain and improve business are financial and technology models (fintech) which lead to Crowd funding and Peer to Peer (P2P) lending, (5 in Indonesia are more familiar with P2P where has been implemented in activities including: (a) Agricultural Capital Startup, (b) Livestock Capital Startup and (c) Fisheries Capital Startup, (6) Future capital challenges have definite answers to the development of alias finance and technology fintech.

Pola Kredit Usaha Mikro Kecil Menengah (UMKM) Kelompok Bank dan Fintech di Indonesia

“…Metode penelitian yang digunakan adalah studi literatur yang dibutuhkan dalam riset (Nazir, 2014) dari beberapa penelitian sebelumnya menyangkut dari kebijakan diatas (Ardiansyah, 2019;Barus, 2013;Danistyo, 2009;Muzdalifa, Rahma, dan Novalia, 2018;Nisa, 2016;Ratnasari, 2016;Rizal, Maulina dan Kostini, 2019;Sunarsi, 2020).…”

“…Dari Gambar 4 Map Fintech diatas terhadap kebijakan UMKM terdapat 7 kebijakan dimana antara lain adalah: Kebijakan Fintech (KF), NPL Fintech (NPLF), Pelatihan Pelaku Usaha Fintech (PPUF), Pembiayaan Kredit Fintech (PKF), Penyaluran Kredit Fintech (PSKF), Tantangan Fintech (TF), Teknologi Fintech (TEF). Hasil ini didukung dari beberapa penelitian sebelumnya menyangkut dari kebijakan diatas (Ardiansyah, 2019;Barus, 2013;Danistyo, 2009;Muzdalifa, Rahma, dan Novalia, 2018;Nisa, 2016;Ratnasari, 2016;Rizal, Maulina dan Kostini, 2019;Sunarsi, 2020).…”

Product Marketing With Social Media And Strengthening Identity Through Packaging Branding

“…Currently, the number of MSMEs in Indonesia has increased significantly from year to year. According to the Central Bureau of Statistics in 2018, it was found that small and medium enterprises in Indonesia have increased every year besides that BPS also said the number of Micro, Small and Medium Enterprises (MSMEs) reached 64 million (Ardiansyah, 2019). This figure reaches 99.9 percent of all businesses operating in Indonesia, so it cannot be denied that Micro, Small and Medium Enterprises (MSMEs) located in all regions in Indonesia are one of the main drivers of the economy (Ardiansyah, 2019;Prianto et al, 2020).…”

Financing Analysis of Loan-Based Crowd Funding on Medium Small Micro Enterprises

“…In which, these MSME actors have difficulties in obtaining business capital credit from banks. A long series of regulatory and administrative processes from banks has triggered difficulties for MSMEs to get credit for their business capital [8]. The more rapid development of this technology encourages the actors involved in the sector to continue making new innovations so that their products and works can continue to exist.…”