Peranan Peer to Peer Lending Syariah terhadap UMKM untuk Pemulihan Ekonomi Pasca Pandemi Covid-19

  • Ahmad Agus Hidayat
  • Mugiyati
  • Siska Arie Novita
  • et al.
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Abstract

Sharia-compliant P2P lending has become one of the options for SMEs to access funding more easily. Therefore, this research aims to understand the concrete role of Islamic peer-to-peer lending for SMEs to stimulate economic recovery post the Covid-19 pandemic in Indonesia. The research method used is qualitative descriptive with a literature study approach. The results of this research indicate that the growth of Islamic fintech, where Sharia-compliant P2P lending is a part of it, plays a positive role in SME financing. In 2023, Indonesia has 7 officially licensed Islamic P2P lending platforms according to OJK. Among them, Alami, Ethis, Qazwa, and Ammana are platforms dedicated to SME financing. During their three years of existence, each platform has successfully disbursed financing from billions to trillions of rupiah to various SMEs. This proves that Islamic P2P lending can help address the funding or capital issues faced by SMEs. Islamic P2P lending can be an easy choice compared to traditional banking, especially for unbankable SMEs, removing barriers to capital acquisition. Therefore, the presence of Islamic P2P lending provides a solution for the economic recovery post-Covid-19 for the development of SMEs in Indonesia

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APA

Ahmad Agus Hidayat, Mugiyati, Siska Arie Novita, & Jaudat Iqbal Harris. (2023). Peranan Peer to Peer Lending Syariah terhadap UMKM untuk Pemulihan Ekonomi Pasca Pandemi Covid-19. IQTISHADIA Jurnal Ekonomi & Perbankan Syariah, 10(2), 267–282. https://doi.org/10.19105/iqtishadia.v10i2.8806

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