Studi Empiris Perkembangan Crowdfunding Syariah di Indonesia

Abstract

Crowdfunding plays a role in the Indonesian economy in its development. Sharia crowdfunding has become a solution to provide financial services that are accessible to businesses that lack access to banking, especially in Indonesia. Using a literature review, this study aims to describe crowdfunding and show how sharia crowdfunding is developing in Indonesia. The results of the study show that crowdfunding has continued to develop in Indonesia since it was first popular in 2009. Sharia crowdfunding has the potential to benefit the business world in accessing capital, increasing welfare, and general economic growth. Another finding is that the implementation of sharia crowdfunding is divided into four categories; donation-based, reward-based, asset-based and equity-based crowdfunding. Where there are differences between conventional crowdfunding and sharia crowdfunding from the four categories. In addition, sharia crowdfunding is also faced with several future issues that must be faced, such as: public trust in crowdfunding, quality and understanding, contract innovation, partnerships with banks, integration with NBFIs, especially MFIs and being able to develop businesses that have high risk.
 Keywords: Crowdfunding, Sharia Crowdfunding, Development

Donation Based Crowdfunding untuk Pendanaan Anak Putus Sekolah

“…Untuk itu diperlukan peran serta masyarakat dan seluruh komponen bangsa untuk turut serta membantu tugas pemerintah mewujudkan kesejahteraan bagi seluruh rakyat Indonesia karena dapat memberikan dampak positif yaitu efisiensi dalam penyelenggaraan kesejahteraan. (Riskiyono, 2015) Partisipasi masyarakat dapat dilakukan dalam berbagai bentuk kegiatan filantropi seperti tanggung jawab sosial perusahaan filantropi berbasis agama seperti shadaqah, dan penggalangan dana dari masyarakat dan perusahaan swasta di Indonesia melalui crowdfunding (Janah et al, 2021); (Nelly et al, 2022)…”

Empowering Sharia Securities: Implementing an Issuers' Mentoring Program for Loss Mitigation in Crowdfunding

“…For security systems, OJK requires platforms to provide safe security to protect against hacking. In addition, OJK also designs regulations for eligible companies (members of the Indonesian Fintech Association) that are trying to implement new business models and assess the risks (Nelly et al, 2022).…”

“…Because Sharia crowdfunding can serve better than banking, this platform is expected to provide maximum effort in obtaining capital and the best service to the business world (Nelly et al, 2022).…”

Pemberdayaan Wirausaha Wanita di Permukiman Kumuh Urban: Pendekatan Penelitian Aksi

“…Keselarasan jaringan ini dengan jaringan pemodal ventura memainkan peran penting dalam menentukan akses terhadap pendanaan tersebut. Akibatnya, perempuan terus menghadapi kerugian ketika mencari pendanaan ekuitas swasta karena dinamika ini (Nelly et al, 2022). b. Hambatan Pasokan Khususnya di STEM (Science, Technology, Engineering, and Mathematics) Bidang STEM terus menunjukkan ketidakseimbangan gender yang nyata, dengan jumlah laki-laki jauh lebih banyak dibandingkan perempuan.…”