Analisis Pengaruh Crowdfunding Syariah terhadap Inklusi Keuangan dan Kinerja UMKM di Indonesia
DOI:
https://doi.org/10.62007/joumi.v4i1.901Keywords:
Financial Technology, Regulation, MSMEs.Abstract
The development of information and communication technology has driven a major transformation in the financial sector, particularly through the emergence of financial technology (financial technology), which can reach a wider and more efficient audience. This article aims to analyze the influence of Sharia-based crowdfunding on increasing financial inclusion and the performance of micro, small, and medium enterprises (MSMEs) in Indonesia. This research uses a qualitative approach with a normative juridical approach. The results of this study are: first, Sharia-based crowdfunding on financial inclusion. The analysis shows that Sharia-based crowdfunding plays a significant role in increasing financial inclusion for MSMEs in Indonesia. Second, Sharia-based crowdfunding on the performance of MSMEs in Indonesia. The analysis shows that Sharia-based crowdfunding has a positive contribution to improving the performance of micro, small, and medium enterprises (MSMEs) in Indonesia. Third, strengthening Sharia-based crowdfunding regulations requires synergy between the government, the Financial Services Authority, and the National Sharia Council of the Indonesian Ulema Council.
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