Financial Technology Peer-To-Peer Lending Berbasis Syariah Di Indonesia

Jadzil Baihaqi

Abstract


This research aims to explain the concept of online peer-to-peer lending based on sharia rules. This research uses a literature study. The findings are, first, online peer-to-peer lending allowed in Islamic law that free from prohibited transactions, using sharia contracts, transparent, and in good manner. Second, there are 6 online peer-to-peer lending models that can be done according to Fatwa DSN-MUI: 1) financing for factoring, 2) financing for procurement ordered good, 3) financing for online seller, 4) financing for online seller through payment gateway, 5) financing for employee, 5) financing for community-based.


Keywords


Financial technology peer-to-peer lending, DSN-MUI, Sharia

Full Text:

PDF

References


Au, Y. A., & Kauffman, R. J. (2008). The economics of mobile payments: Understanding stakeholder issues for an emerging financial technology application. Electronic Commerce Research and Applications, 7(2), 141–164. https://doi.org/10.1016/j.elerap.2006.12.004

Bank Indonesia. (2017). Peraturan Bank Indonesia Nomor 19/12/PBI/2017 tentang penyelenggaraan teknologi finansial

Cai, S., Lin, X., Xu, D., & Fu, X. (2016). Judging online peer-to-peer lending behavior: A comparison of first-time and repeated borrowing requests. Information and Management, 53(7), 857–867. https://doi.org/10.1016/j.im.2016.07.006

Creswell, J. W. (2010). Research Design. Yoogyakarta: Pustaka Pelajar.

Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008

DSN-MUI. (2008). Fatwa DSN-MUI Nomor 67/DSN-MUI/III/2008 tentang Anjak Piutang Syariah.

DSN-MUI. (2018). Fatwa DSN-MUI Nomor 117/DSN-MUI/II/2018 tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah.

Koperasi, S. K., & Ukm, D. (2017). ARAH KEBIJAKAN BIDANG KOPERASI DAN USAHA MIKRO, KECIL DAN MENENGAH Ir. Agus Muharram, MSP ARAH KEBIJAKAN BIDANG KOPERASI DAN USAHA MIKRO, KECIL DAN MENENGAH.

OJK. (2015). Roadmap IKNB Syariah 2015-2019.

OJK. (2016). Peraturan OJK Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi.

OJK. (2018). Direktori Fintech per Juni 2018. Jakarta. Retrieved from https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/direktori/fintech/Default.aspx

Yum, H., Lee, B., & Chae, M. (2012). Electronic Commerce Research and Applications From the wisdom of crowds to my own judgment in microfinance through online peer-to-peer lending platforms. Electronic Commerce Research and Applications, 11(5), 469–483. https://doi.org/10.1016/j.elerap.2012.05.003




DOI: http://dx.doi.org/10.21043/tawazun.v1i2.4979

Refbacks

  • There are currently no refbacks.


Copyright (c) 2019 TAWAZUN : Journal of Sharia Economic Law

Tawazun: Journal of Sharia Economic Law has been Indexed by :

 

http://journal.stainkudus.ac.id/indexing/17.jpg    http://journal.stainkudus.ac.id/indexing/googlescholar.jpg    http://journal.stainkudus.ac.id/indexing/crossref.jpg    Moraref


 GARUDA    images1    

 

Tawazun: Journal of Sharia Economic Law
ISSN 2655-9021 (print) | ISSN 2655-9579 (online)

Creative Commons License

Tawazun: Journal of Sharia Economic Law by Sharia Economic Law Department, Sharia Faculty, State Islamic Institute of Kudus, Kudus, Indonesia is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.