Model Financial dan Teknologi (Fintech) Membantu Permasalahan Modal Wirausaha Umkm di Indonesia

Tedy Ardiansyah


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.


Financial and technology; Entrepreneur; Capital; UMKM.

Full Text:



Block, J. H., Colombo, M. G., Cumming, D. J., & Vismara, S. (2017). New players in entrepreneurial finance and why they are there. Small Business Economics, 1.

Bruton, G. (2015). New Financial Alternatives in Seeding Entrepreneurship: Microfinance, Crowdfunding, and Peer-to-Peer Innovations. E T & P Entrepreneurship : Peer-to-Peer Innovations, 1(December), 9–26.

Chandna, V., & Salimath, M. S. (2018). Peer-to-peer selling in online platforms : A salient business model for virtual. Journal of Business Research, 84(April 2017), 162–174.

Chen, X., Yang, L., Wang, P., & Yue, W. (2013). An Effective Interval-Valued Intuitionistic Fuzzy Entropy to Evaluate Entrepreneurship Orientation of Online P2P Lending Platforms. Hindawi Publishing Corporation Advances inMathematical Physics, Volume 201(1).

Ellen chandra. (2018). Fintech. Retrieved November 5, 2018, from (2018). umkm keterbatasan modal jadi.pdf. Retrieved from

genagaris. (2018). 11 Startup Ini Membantu Permodalan Petani, Petenak & Nelayan. Retrieved November 5, 2018, from https//

Hendro. (2013). Sumber dasar-dasar kewirausahaan (Pertama). Jakarta: Salemba Empat. (2017). 5 tantangan besar yg sering dihadapi bisnis uMKm.pdf. Retrieved from https://www.jurnal.idf

Kraus, S., Richter, C., Brem, A., Chang, M.-L., and Cheng, C.-F. (2016). Strategies for reward-based crowdfunding campaign. Journal of Innovation & Knowledge, Vol. 1, No(1), 13–23.

leonardo saiman. (2014). Kewirausahaan teori praktik dan kasus-kasus (Edisi 2). Jakarta: Salemba Empat.

Lupiyoadi, R. (2007). Kewirausahaan (pertama). Jakarta: Fakultas Ekonomi, Universitas Indonesia.

Marie-Christine Pauwels. (2013). Peer-to-peer Lending in the USA: An Entrepreneurial Approach to Credit through Social Networks. paris, france. Retrieved from

MIRIAM SEGAL. (2015). Peer-to-Peer Lending: A Financing Alternative for Small Businesses. washington dc. Retrieved from www. (2016). 76 5 UMKM jateng sulit dapat modal.pdf. Retrieved from

Prof dr. J. Winardi. (2017). Kewirausahaan (Pertama). Depok: prenada media group. (2018). permodalan masih jadi (2017). umkm sulit dapat modal usaha ini solusi BI. (2017). umkm sulit dapat modal usaha ini solusi BI. (2015). The shareeconomy & crowdcreation. (2018). 5 Permasalahan Utama yang Dihadapi Para Pelaku UMKM. (2009). Modal jadi kendala UMKM. Retrieved from bbc news indonesia website: (20017). Penjaminan kredit sebagai solusi permasalahan UMKM mengakses kredit perbankan di provinsi Jambi. (2018). Bagaimana cara kerja peer to peer lending? (2017). 5 Tantangan besar yang sering dihadapi bisnis UMKM. Retrieved September 23, 2019, from jurnal id website: (2018). problematika apa saja yang dihadapi umkm di Indonesia. (2018). Isu akses pembiayaan.




  • There are currently no refbacks.

Copyright (c) 2019 Majalah Ilmiah Bijak

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.


ISSN 1411-0830 (Media Cetak) 2621-749X (Media Online)
Email : /


View My Stats