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

Authors

  • Tedy Ardiansyah Universitas Indraprasta PGRI Jakarta

DOI:

https://doi.org/10.31334/bijak.v16i2.518

Keywords:

Financial and technology, Entrepreneur, Capital, UMKM.

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.

References

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. https://doi.org/10.1007/s11187-016-9826-6

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. https://doi.org/10.1111/etap.12143

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. https://doi.org/10.1016/j.jbusres.2017.11.019

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 https://www.finansialku.com/definisi-fintech-adalah/

finansial.bisnis.com. (2018). umkm keterbatasan modal jadi.pdf. Retrieved from https://financial.bisnis.com

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

Hendro. (2013). Sumber dasar-dasar kewirausahaan (Pertama). Jakarta: Salemba Empat.

Jurnal.id. (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 http://www.openedition.org/6540

MIRIAM SEGAL. (2015). Peer-to-Peer Lending: A Financing Alternative for Small Businesses. washington dc. Retrieved from www. sba.gov/advocacy/issue-brief

Okezone.com. (2016). 76 5 UMKM jateng sulit dapat modal.pdf. Retrieved from https://economy.okezone.com

Prof dr. J. Winardi. (2017). Kewirausahaan (Pertama). Depok: prenada media group.

Republika.co.id. (2018). permodalan masih jadi finance.detik.com. (2017). umkm sulit dapat modal usaha ini solusi BI.

finance.detik.com. (2017). umkm sulit dapat modal usaha ini solusi BI.

lutpub.lut.fi. (2015). The shareeconomy & crowdcreation.

pahlawandigital.com. (2018). 5 Permasalahan Utama yang Dihadapi Para Pelaku UMKM.

www.bbc.co.uk. (2009). Modal jadi kendala UMKM. Retrieved from bbc news indonesia website: www.bbc.comi/indonesia

www.bi.go.id. (20017). Penjaminan kredit sebagai solusi permasalahan UMKM mengakses kredit perbankan di provinsi Jambi.

www.investree.id. (2018). Bagaimana cara kerja peer to peer lending?

www.jurnal.id. (2017). 5 Tantangan besar yang sering dihadapi bisnis UMKM. Retrieved September 23, 2019, from jurnal id website: www.jurnal.id

www.kompasiana.com. (2018). problematika apa saja yang dihadapi umkm di Indonesia.

www.ui.ac.id. (2018). Isu akses pembiayaan.

Downloads

Published

2019-09-25

Issue

Vol. 16 No. 2: September 2019

Section

Articles

License

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

Please find the rights and licenses in Majalah Ilmiah Bijak By submitting the article/manuscript of the article, the author(s) agree with this policy. No specific document sign-off is required.

  1. License

The commercial use of the article will be governed by the Creative Commons Attribution license as currently displayed on Creative Commons Attribution-ShareAlike 4.0 International License.

2. Author(s)' Warranties

The author warrants that the article is original, written by stated author(s), has not been published before, contains no unlawful statements, does not infringe the rights of others, is subject to copyright that is vested exclusively in the author and free of any third party rights, and that any necessary written permissions to quote from other sources have been obtained by the author(s).

3. User Rights

Majalah Ilmiah Bijak spirit is to disseminate articles published are as free as possible. Under the Creative Commons license, Majalah Ilmiah Bijak permits users to copy, distribute, display, and perform the work for non-commercial purposes only. Users will also need to attribute authors and Majalah Ilmiah Bijak on distributing works in the journal and other media of publications.

4. Co-Authorship

If the article was jointly prepared by more than one author, any authors submitting the manuscript warrants that he/she has been authorized by all co-authors to be agreed on this copyright and license notice (agreement) on their behalf, and agrees to inform his/her co-authors of the terms of this policy. Jurnal Bijak will not be held liable for anything that may arise due to the author(s) internal dispute. Majalah Ilmiah Bijak will only communicate with the corresponding author.

5. Miscellaneous

Majalah Ilmiah Bijak will publish the article (or have it published) in the journal if the article’s editorial process is successfully completed. Jurnal Bijak editors may modify the article to a style of punctuation, spelling, capitalization, referencing and usage that deems appropriate. The author acknowledges that the article may be published so that it will be publicly accessible and such access will be free of charge for the readers as mentioned in point 3.

 

Every accepted manuscript should be accompanied by "Copyright Transfer Agreement"prior to the article publication.