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"Beberapa tahun terakhir teknologi keuangan Financial Technology mulai berkembang di sebagian besar belahan dunia, termasuk Indonesia. Dominasi masyarakat muslim di Indonesia pun mendorong berkembangnya berbagai layanan teknologi berbasis syariah. Namun, penelitian terkait teknologi keuangan, khususnya teknologi keuangan syariah ini masih terbatas. Oleh karena itu, penelitian ini diharapkan mengisi kekosongan tersebut. Adapun tujuan penelian ini ialah untuk ngetahui minat masyarakat dalam kegiatan investasi untuk memberikan modal kepada para pelaku Usaha Kecil, Mikro, dan Menengah UMKM jika menggunakan salah satu inovasi tekonologi keuangan, yaitu; Sharia Peer-To-Peer Lending. Dengan menggunakan Technology Acceptance Model sebagai referensi dari model penelitian, penelitian ini mengambil data pengguna aktif dari salah satu platform Peer-to-Peer Lending syariah di Indonesia, yaitu Indves.com. Dengan variabel penelitian terdiri dari; Perceived Usefulness, Perceived Ease of Use, dan Religiosity sebagai extend variabel. Penelitian menunjukan hubungan positif antara minat investasi dan variabel Perceived Ease of Use dan Religiosity tetapi mempunyai hubungan negatif dengan variabel Perceived Usefulness.

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Over the past few years, financial technology or usually known as fintech were being developed in most part of the world, including Indonesia. The domination of muslim residents in Indonesia also contributed to the development of sharia compliance financial technology. However, research regarding financial technology, especially regarding to sharia compliance financial technology were still limited. Therefore, this research was made to fill that gaps. As for this research, it aims to figure out the societies intention in investing activities to provide funding for Micro, Small, and Medium Enterprises MSMEs through one of the financial technology innovation, Sharia Peer to Peer Lending. By using Technology Acceptance Model TAM as a reference for the research model, this research used active user data from one of the sharia Peer to Peer Lending platform in Indonesia, Indves.com. With the variabel indicators of Perceived Usefulness and Perceived Ease of Use, also, with the religiosity as an extended variabel, this research shows a positive relation between the intention to invest, Perceived Ease of Use, and religiosity. Meanwhile, it shows a negative relation with the variable of Perceived Usefulness. "

"Bantuan keuangan dari lembaga keuangan non bank, seperti platform Peer to Peer (P2P) Lending, sangat dibutuhkan oleh pengusaha mikro untuk meningkatkan taraf hidup mereka. Melalui platform P2P Lending, setiap orang bisa mendapatkan modal ventura dengan mudah dan tanpa persyaratan yang rumit seperti bank. Oleh karena itu, penelitian ini bertujuan untuk menganalisis model bisnis dan dampak P2P Lending Syariah terhadap usaha mikro di Indonesia. Penelitian ini melakukan studi kasus pada PT. Ammana Fintek Syariah (Ammana) yang merupakan pionir P2P lending syariah di Indonesia. Data yang digunakan adalah data primer yang diperoleh melalui survei terhadap debitur Ammana yang memiliki usaha skala mikro dan wawancara dengan pengelola P2P Lending. Sedangkan model yang digunakan dalam penelitian ini adalah model regresi multivariat. Hasil penelitian menunjukkan bahwa model bisnis Ammana hampir sama dengan platform P2P Lending pada umumnya yaitu menghubungkan penerima pembiayaan dengan pemberi pinjaman. Namun yang membedakannya adalah fokus Ammana dalam memberikan pendanaan kepada UMKM dengan kontrak syariah melalui kerjasama dengan lembaga keuangan mikro syariah di Indonesia. Ammana juga memiliki fitur rating dan credit scoring untuk membantu pemberi pinjaman dalam menilai penerima pembiayaan serta fitur crowd wakaf. Hasil penelitian kuantitatif menunjukkan bahwa jumlah keuangan mikro dan keterlibatan keluarga dalam mengelola usaha mikro berpengaruh positif terhadap peningkatan laba usaha mikro yang mendapatkan pembiayaan P2P Lending Syariah, sedangkan jumlah pegawai berpengaruh negatif terhadap peningkatan keuntungan usaha mikro. Dengan demikian, dapat disimpulkan bahwa pembiayaan P2P Lending Syariah berpengaruh positif terhadap kinerja usaha mikro. Hasil penelitian ini memiliki implikasi bahwa pelaku industri syariah P2P lending harus terus meningkatkan layanan pembiayaan kepada pelaku usaha mikro di Indonesia. Diharapkan hasil ini juga dapat menjadi acuan bagi pengambil kebijakan terkait dan memperkaya literatur tentang financial technology khususnya P2P lending syariah.

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Financial assistance from non-bank financial institutions, such as the Peer to Peer (P2P) Lending platform, is urgently needed by micro entrepreneurs to improve their standard of living. Through the P2P Lending platform, everyone can get venture capital easily and without complicated requirements like banks. Therefore, this study aims to analyze the business model and the impact of P2P Lending Syariah on micro businesses in Indonesia. This study conducted a case study at PT. Ammana Fintek Syariah (Ammana) which is a pioneer of P2P lending in Indonesia. The data used are primary data obtained through surveys of Ammana debtors who have micro-scale businesses and interviews with P2P Lending managers. While the model used in this study is a multivariate regression model. The results show that the Ammana business model is almost the same as the P2P Lending platform in general, namely connecting the recipient of financing with the lender. But what distinguishes it is Ammana's focus in providing funding to MSMEs with sharia contracts through cooperation with Islamic microfinance institutions in Indonesia. Ammana also has rating and credit scoring features to help lenders assess financing recipients as well as crowd waqf features. The results of quantitative research show that the amount of microfinance and family involvement in managing micro businesses has a positive effect on the increase in profits of micro-businesses that receive P2P Lending Syariah financing, while the number of employees has a negative effect on the increase in profits of micro-businesses. Thus, it can be concluded that P2P Lending Syariah financing has a positive effect on the performance of micro businesses. The results of this study have the implication that P2P lending sharia industry players must continue to improve financing services to micro-entrepreneurs in Indonesia. It is hoped that these results can also be a reference for related policy makers and enrich the literature on financial technology, especially Islamic P2P lending.

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"Peer to Peer Lending Syariah adalah alternatif solusi pembiayaan baru di Indonesia yang menerapkan prinsip syariah dan dilakukan secara digital melalui internet, yang melibatkan pemberi pinjaman/investor dan peminjam/debitur. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi niat berinvestasi pada Peer to Peer Lending Syariah di Indonesia.Mengingat Peer to Peer Lending Syariah termasuk baru di Indonesia, framework model yang digunakan dalam penelitian ini adalah modified TAM, dimana aspek security, responsiveness, persepsi risiko, persepsi kepercayaan dan social influence ditambahkan pada komponen utama model. Data primer dikumpulkan melalui survey online yang melibatkan 283 pengguna internet yang mengetahui Peer to Peer Lending Syariah dan menganalisa hasilnya dengan menggunakan Structural Equation Modeling (SEM).Faktor yang diidentifikasi memiliki pengaruh signifikan dalam minat investasi pada Peer to Peer Lending Syariah adalah social influence, persepsi kepercayaan, persepsi manfaat, security dan responsiveness. Berdasarkan temuan tersebut, Peer to Peer Lending Syariah harus meningkatkan aspek teknologinya (security, responsiveness), meningkatkan aspek social influence, dan mengedukasi masyarakat bahwa Peer to Peer Lending Syariah dapat dipercaya dan bermanfaat bagi penggunanya.

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Sharia Peer to Peer Lending is a new alternative financing solution in Indonesia that applies sharia principles and is conducted digitally through the internet, which involves lenders/investors and borrowers/debtors. This study aims to determine the factors that influence the intention to invest in Sharia Peer to Peer Lending in Indonesia. Due to the relative newness of Sharia Peer to Peer Lending in Indonesia, the framework utilized is the Technology Acceptance Model (TAM), where security, responsiveness, risk and trust perception is added to the model’s main components (i.e., perceived usefulness and perceived ease of use). Primary data was collected through an online survey involving 283 internet users who know Sharia Peer to Peer Lending and analyzed by using structural equation modeling as the empirical approach.

The findings indicate that social influence, trust perception, usefulness perceptions, security and responsiveness affect the intention to invest in Sharia Peer to Peer Lending. Based on that findings, Sharia Peer to Peer Lending should improve its technology (security, responsiveness), increase the social influence aspect, and ensure the society that Sharia Peer to Peer Lending can be trusted and usefull for its user."