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Abstract
Introduction
Challenges in access to inclusive financial services are still a major issue for many micro, small and medium enterprises in Indonesia, including in Kisaran City. However, research that specifically discusses this is still rarely carried out.
Objectives
This research aims to analyze the role of sharia fintech in increasing the inclusiveness of micro, small and medium enterprises in Kisaran City.
Method
This research uses qualitative approach with primary data is obtained by interviewing three MSMEs owners using Sharia fintech. Secondary data is collected from books, the internet, academic journals, archives, and official records.
Results
The results of this research show an increase in the use of Sharia Fintech by micro, small and medium enterprises in Kisaran City in 2020-2023. Apart from that, the use of Sharia fintech has a positive influence in increasing financial inclusiveness and encouraging the growth of micro, small and medium enterprises in Kisaran City..
Implications
Micro, small and medium enterprises can use financial services from sharia fintech to increase access to funding and to expand customer payment models. Policy makers can continue to increase the role of sharia fintech for inclusiveness of micro, small and medium enterprises through more certain regulations and also increasing public education.
Originality/Novelty
This study contributes to enrich studies in the field of financial inclusion for micro, small, and medium enterprises with emphasize on the use of fintech.
Keywords
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
Adinda, & Santoso, G. (2022). Seni dan kreativitas sebagai medium pemersatu dalam masyarakat multikultural [Art and creativity as a unifying medium in a multicultural society]. Jurnal Pendidikan Transformatif, 1(2), 29–38. https://doi.org/10.9000/jpt.v1i2.489
Andiani, D. A. P., & Maria, R. (2023). Pengaruh financial technology dan literasi keuangan terhadap perilaku keuangan pada Generasi Z. Jurnal Akuntansi Bisnis Dan Ekonomi (JABE), 9(2), 3468–3475. https://doi.org/10.33197/jabe.vol9.iss2.2023.1226
Basrowi, B. (2020). Strategies to increase financial inclusion through financial technology. Journal of Islamic Economics Lariba, 5(1), 81–96. https://doi.org/10.20885/jielariba.vol5.iss1.art5
Dhiyaulhuda, S., Nawawi, K., & Arif, S. (2022). Peran fintech syari’ah dalam meningkatkan profit UMKM Cathering Nuryayoh yang terdampak pandemi Covid-19 di Vila Citra Bantarjati [The role of sharia fintech in increasing profits of Cathering Nuryayoh MSMEs affected by the Covid-19 pandemic at Vila Citra Bantarjati]. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 3(4), 693–699. https://doi.org/10.47467/elmal.v3i4.1011
Fathy, R. (2019). Modal sosial: Konsep, inklusivitas dan pemberdayaan masyarakat [Social capital: Concept, inclusiveness and community empowerment]. Jurnal Pemikiran Sosiologi, 6(1), 1–17. https://doi.org/10.22146/jps.v6i1.47463
Fitriana, D., Rahman, N., & Wahid, A. (2021). Analisa Peraturan Otoritas Jasa Keuangan (POJK) Nomor 77/pojk.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi (LPMUBTI) terhadap penggunaan financial technology (Fintech) pada industri jasa perbankan di Wilayah III Cirebon [Analysis of Financial Services Authority Regulation (POJK) Number 77/pojk.01/2016 concerning Information Technology-Based Money Lending and Borrowing Services (LPMUBTI) on the use of financial technology (Fintech) in the banking services industry in Region III Cirebon]. Mahkamah : Jurnal Kajian Hukum Islam, 6(1), 1–15. https://doi.org/10.24235/mahkamah.v6i1.7722
Hartati, Y. S. (2021). Analisis pertumbuhan ekonomi inklusif di Indonesia [Analysis of inclusive economic growth in Indonesia]. Jurnal Ekonomi dan Bisnis, 12(1), 79–92. https://doi.org/10.55049/jeb.v12i1.74
Hidayat, R., Umam, R., & Tripalupi, R. I. (2021). Kinerja keuangan perbankan syariah pada masa Covid-19 dan strategi peningkatannya [Islamic banking financial performance during Covid-19 and strategies for improving it]. Finansha: Journal of Sharia Financial Management, 2(2), 77–91. https://doi.org/10.15575/fjsfm.v2i2.14207
Hildayanti, S. K., Alie, J., & Setiadi, B. (2023). Merayakan keanekaragaman kita: Mempromosikan inklusivitas, pemahaman budaya, keterlibatan masyarakat, dan kebanggaan komunitas [Celebrating our diversity: Promotes inclusivity, cultural understanding, civic engagement, and community pride]. Jurnal Pengabdian West Science, 2(5), 325–334. https://doi.org/10.58812/jpws.v2i5.372
Kristyanto, V. S., & Kaluge, D. (2018). Peningkatan inklusivitas ekonomi melalui pembiayaan investasi modal manusia [Increasing economic inclusiveness through financing human capital investment]. Jurnal Ekonomi Kuantitatif Terapan, 11(2), 182–189. https://doi.org/10.24843/JEKT.2018.v11.i02.p04
Marlina, A. S., & Fatwa, N. (2021). Fintech syariah sebagai faktor pendorong peningkatan inklusivitas usaha mikro kecil dan menengah di Indonesia [Sharia fintech as a driving factor in increasing the inclusiveness of micro, small and medium enterprises in Indonesia]. Jurnal Tabarru’: Islamic Banking and Finance, 4(2), 412–422. https://doi.org/10.25299/jtb.2021.vol4(2).7804
Miliantari, D., Nawawi, Z. M., & Nasution, J. (2022). Strategi pengembangan usaha mikro kecil menengah di Kube Kuliner Asahan pada masa pandemi Covid-19 [Strategy for developing micro, small and medium enterprises in the Asahan Culinary Kube during the Covid-19 pandemic]. Al-Muhtarifin: Islamic Banking and Islamic Economic Journal, 1(1), 50–65. https://jurnal.umsu.ac.id/index.php/ALMUHTARIFIN/article/view/9032
Muzdalifa, I., Rahma, I. A., Novalia, B. G., & Rafsanjani, H. (2018). Peran fintech dalam meningkatkan keuangan inklusif pada UMKM di Indonesia (Pendekatan keuangan syariah) [The role of fintech in increasing financial inclusion in MSMEs in Indonesia (Sharia financial approach)]. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 3(1), Article 6. https://doi.org/10.30651/jms.v3i1.1618
Nasution, M. I. P., Nurbaiti, N., Nurlaila, N., Rahma, T. I. F., & Kamilah, K. (2020). Face recognition login authentication for digital payment solution at Covid-19 pandemic. 2020 3rd International Conference on Computer and Informatics Engineering (IC2IE), 48–51. https://doi.org/10.1109/IC2IE50715.2020.9274654
Nelson, A., Fitrian, A., Mawatdah, A. A., Ferina, C. T., & Erika, E. (2023). Analisis diversity mempengaruhi HR dalam mempertahankan budaya suatu perusahaan [Diversity analysis influences human resources in maintaining a company’s culture]. Jurnal Mirai Management, 8(2), 179–185. https://doi.org/10.37531/mirai.v8i2.4772
Ningsih, T. W., Tulasi, D., & Masela, M. Y. (2023). Investigasi qualitative: Menggali tantangan yang dihadapi UKM Indonesia dalam mengakses layanan keuangan [Qualitative investigation: Exploring the challenges faced by Indonesian small and medium enterprises in accessing financial services]. Sanskara Akuntansi Dan Keuangan, 1(03), 120–130. https://doi.org/10.58812/sak.v1i03.102
Nugroho, A. P., Zulni, D. A., & Andriansyah, Y. (2023). Exploring the adoption of digital wallets among Islamic millennials in Yogyakarta, Indonesia using an extended UTAUT model: The role of Islamic consumption ethics. Journal of Theoretical and Applied Information Technology, 101(14), 5528–5540. https://www.researchgate.net/profile/Yuli-Andriansyah/publication/372823708_Exploring_the_Adoption_of_Digital_Wallets_among_Islamic_Millennials_in_Yogyakarta_Indonesia_Using_an_Extended_UTAUT_Model_The_Role_of_Islamic_Consumption_Ethics/links/64c94e4b862f8d299988c14a/Exploring-the-Adoption-of-Digital-Wallets-among-Islamic-Millennials-in-Yogyakarta-Indonesia-Using-an-Extended-UTAUT-Model-The-Role-of-Islamic-Consumption-Ethics.pdf
Nurbaiti, N., Asmuni, A., Soemitra, A., Imsar, I., & Aisyah, S. (2023). Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending. JPPI (Jurnal Penelitian Pendidikan Indonesia), 9(4), 92–99. https://doi.org/10.29210/020232273
Nurdin, Azizah, W. N., & Rusli. (2020). Pengaruh pengetahuan,kemudahan dan risiko terhadap minat bertransaksi menggunakan finansial technology (fintech) pada mahasiswa Institut Agama Islam Negeri (IAIN) Palu [The influence of knowledge, convenience and risk on interest in transactions using financial technology among students at the Palu State Islamic Institute]. Jurnal Ilmu Perbankan Dan Keuangan Syariah, 2(2), 199–222. https://doi.org/10.24239/jipsya.v2i2.32.198-221
Nusaibah, U. (2023). Digitalisasi ekonomi syariah di kalangan Generasi Z untuk peningkatan literasi keuangan syariah (Studi kasus mBanking BSI) [Digitalization of the sharia economy among Generation Z to increase sharia financial literacy (BSI mBanking case study)]. Musyarakah: Journal of Sharia Economic (MJSE), 12(1), 12–22. https://doi.org/10.24269/mjse.v12i1.6695
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Prabandari, D. A. N. (2018). Analisis inklusivitas pertumbuhan ekonomi di Jawa Timur dan faktor-faktor yang memengaruhinya [Analysis of the inclusiveness of economic growth in East Java and the factors that influence it]. Jurnal Ilmiah Mahasiswa FEB, 7(1), Article 1. https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/5221
Prasetya, A. Y., & Wahyuni, D. (2020). Pengaruh lokasi, harga, kepercayaan dan kualitas pelayanan terhadap loyalitas pelanggan pada Cuwa Laundry di Kota Kisaran [The influence of location, price, trust and service quality on customer loyalty at Cuwa Laundry in Kisaran City]. Jurnal Sains Ekonomi (JSE), 1(2), 68–78. https://doi.org/10.36294/jse.v1i2.1953
Pratama, L. S. (2021). Studi pola perbandingan pola konsumsi rumah tangga kaya dan miskin di Kota Kisaran [Study of comparative patterns of consumption patterns of rich and poor households in Kisaran City]. Journal of Science and Social Research, 4(1), 87–95. https://doi.org/10.54314/jssr.v4i1.487
Rangkuti, A. R., Nurbaiti, & Irham, M. (2023). Analisis peran fintech syariah dalam meningkatkan keuangan inklusif pada UMKM Kota Medan [Analysis of the role of sharia fintech in increasing financial inclusion in Medan City MSMEs]. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 8(3), Article 3. https://doi.org/10.30651/jms.v8i3.20403
Sabrina, D. (2023). Kondisi sosial ekonomi pedagang kaki lima di wisata alun-alun Kota Kisaran [Socio-economic conditions of street vendors in the Kisaran City tourist square] [Undergraduate thesis, Universitas Muhammadiyah Sumatera Utara]. http://repository.umsu.ac.id/handle/123456789/22122
Santi, E., Budiharto, B., & Saptono, H. (2017). Pengawasan Otoritas Jasa Keuangan terhadap financial technology (Peraturan Otoritas Jasa Keuangan Nomor 77/Pojk.01/2016) [Financial Services Authority supervision of financial technology (Financial Services Authority Regulation Number 77/Pojk.01/2016)]. Diponegoro Law Journal, 6(3), 1–20. https://doi.org/10.14710/dlj.2017.19683
Saripudin, S., Nadya, P. S., & Iqbal, M. (2021). Upaya fintech syariah mendorong akselerasi pertumbuhan UMKM di Indonesia [Sharia fintech efforts encourage accelerated growth of micro, small and medium businesses in Indonesia]. Jurnal Ilmiah Ekonomi Islam, 7(1), 41–50. https://doi.org/10.29040/jiei.v7i1.1449
Setiani, D. D., Nivanty, H., Lutfiah, W., & Rahmawati, L. (2020). Fintech syariah: Manfaat dan problematika penerapan pada UMKM [Sharia fintech: Benefits and problems of implementation in micro, small and medium enterprises]. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 5(1), 75–90. https://doi.org/10.30651/jms.v5i1.4718
Syamsulbahri, D. (2018). UMKM dalam perspektif pembiayaan inklusif di Indonesia [Micro, small and medium enterprises in the perspective of inclusive financing in Indonesia]. Jurnal Ekonomi Dan Pembangunan, 26(1), 59–76. https://doi.org/10.14203/JEP.26.1.2018.59-76
Wulandari, N., & Mangole, A. (2021). Peran fintech syari’ah untuk pemulihan ekonomi masa pandemi Covid-19 (UMKM di Indonesia) [The role of sharia fintech for economic recovery during the Covid-19 pandemic (Micro, small and medium businesses in Indonesia)]. LABATILA : Jurnal Ilmu Ekonomi Islam, 5(1), 71–82. https://doi.org/10.33507/labatila.v4i02.388
Yahya, A., Affandy, A., & Narimawati, U. (2020). Pengembangan UMKM melalui pemanfaatan model layanan fintech syariah Ammana.id [Development of micro, small and medium businesses through the use of the Ammana.id sharia fintech service model]. Is The Best Accounting Information Systems and Information Technology Business Enterprise This Is Link for OJS Us, 5(2), 106–120. https://doi.org/10.34010/aisthebest.v5i2.3049
References
Adinda, & Santoso, G. (2022). Seni dan kreativitas sebagai medium pemersatu dalam masyarakat multikultural [Art and creativity as a unifying medium in a multicultural society]. Jurnal Pendidikan Transformatif, 1(2), 29–38. https://doi.org/10.9000/jpt.v1i2.489
Andiani, D. A. P., & Maria, R. (2023). Pengaruh financial technology dan literasi keuangan terhadap perilaku keuangan pada Generasi Z. Jurnal Akuntansi Bisnis Dan Ekonomi (JABE), 9(2), 3468–3475. https://doi.org/10.33197/jabe.vol9.iss2.2023.1226
Basrowi, B. (2020). Strategies to increase financial inclusion through financial technology. Journal of Islamic Economics Lariba, 5(1), 81–96. https://doi.org/10.20885/jielariba.vol5.iss1.art5
Dhiyaulhuda, S., Nawawi, K., & Arif, S. (2022). Peran fintech syari’ah dalam meningkatkan profit UMKM Cathering Nuryayoh yang terdampak pandemi Covid-19 di Vila Citra Bantarjati [The role of sharia fintech in increasing profits of Cathering Nuryayoh MSMEs affected by the Covid-19 pandemic at Vila Citra Bantarjati]. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 3(4), 693–699. https://doi.org/10.47467/elmal.v3i4.1011
Fathy, R. (2019). Modal sosial: Konsep, inklusivitas dan pemberdayaan masyarakat [Social capital: Concept, inclusiveness and community empowerment]. Jurnal Pemikiran Sosiologi, 6(1), 1–17. https://doi.org/10.22146/jps.v6i1.47463
Fitriana, D., Rahman, N., & Wahid, A. (2021). Analisa Peraturan Otoritas Jasa Keuangan (POJK) Nomor 77/pojk.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi (LPMUBTI) terhadap penggunaan financial technology (Fintech) pada industri jasa perbankan di Wilayah III Cirebon [Analysis of Financial Services Authority Regulation (POJK) Number 77/pojk.01/2016 concerning Information Technology-Based Money Lending and Borrowing Services (LPMUBTI) on the use of financial technology (Fintech) in the banking services industry in Region III Cirebon]. Mahkamah : Jurnal Kajian Hukum Islam, 6(1), 1–15. https://doi.org/10.24235/mahkamah.v6i1.7722
Hartati, Y. S. (2021). Analisis pertumbuhan ekonomi inklusif di Indonesia [Analysis of inclusive economic growth in Indonesia]. Jurnal Ekonomi dan Bisnis, 12(1), 79–92. https://doi.org/10.55049/jeb.v12i1.74
Hidayat, R., Umam, R., & Tripalupi, R. I. (2021). Kinerja keuangan perbankan syariah pada masa Covid-19 dan strategi peningkatannya [Islamic banking financial performance during Covid-19 and strategies for improving it]. Finansha: Journal of Sharia Financial Management, 2(2), 77–91. https://doi.org/10.15575/fjsfm.v2i2.14207
Hildayanti, S. K., Alie, J., & Setiadi, B. (2023). Merayakan keanekaragaman kita: Mempromosikan inklusivitas, pemahaman budaya, keterlibatan masyarakat, dan kebanggaan komunitas [Celebrating our diversity: Promotes inclusivity, cultural understanding, civic engagement, and community pride]. Jurnal Pengabdian West Science, 2(5), 325–334. https://doi.org/10.58812/jpws.v2i5.372
Kristyanto, V. S., & Kaluge, D. (2018). Peningkatan inklusivitas ekonomi melalui pembiayaan investasi modal manusia [Increasing economic inclusiveness through financing human capital investment]. Jurnal Ekonomi Kuantitatif Terapan, 11(2), 182–189. https://doi.org/10.24843/JEKT.2018.v11.i02.p04
Marlina, A. S., & Fatwa, N. (2021). Fintech syariah sebagai faktor pendorong peningkatan inklusivitas usaha mikro kecil dan menengah di Indonesia [Sharia fintech as a driving factor in increasing the inclusiveness of micro, small and medium enterprises in Indonesia]. Jurnal Tabarru’: Islamic Banking and Finance, 4(2), 412–422. https://doi.org/10.25299/jtb.2021.vol4(2).7804
Miliantari, D., Nawawi, Z. M., & Nasution, J. (2022). Strategi pengembangan usaha mikro kecil menengah di Kube Kuliner Asahan pada masa pandemi Covid-19 [Strategy for developing micro, small and medium enterprises in the Asahan Culinary Kube during the Covid-19 pandemic]. Al-Muhtarifin: Islamic Banking and Islamic Economic Journal, 1(1), 50–65. https://jurnal.umsu.ac.id/index.php/ALMUHTARIFIN/article/view/9032
Muzdalifa, I., Rahma, I. A., Novalia, B. G., & Rafsanjani, H. (2018). Peran fintech dalam meningkatkan keuangan inklusif pada UMKM di Indonesia (Pendekatan keuangan syariah) [The role of fintech in increasing financial inclusion in MSMEs in Indonesia (Sharia financial approach)]. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 3(1), Article 6. https://doi.org/10.30651/jms.v3i1.1618
Nasution, M. I. P., Nurbaiti, N., Nurlaila, N., Rahma, T. I. F., & Kamilah, K. (2020). Face recognition login authentication for digital payment solution at Covid-19 pandemic. 2020 3rd International Conference on Computer and Informatics Engineering (IC2IE), 48–51. https://doi.org/10.1109/IC2IE50715.2020.9274654
Nelson, A., Fitrian, A., Mawatdah, A. A., Ferina, C. T., & Erika, E. (2023). Analisis diversity mempengaruhi HR dalam mempertahankan budaya suatu perusahaan [Diversity analysis influences human resources in maintaining a company’s culture]. Jurnal Mirai Management, 8(2), 179–185. https://doi.org/10.37531/mirai.v8i2.4772
Ningsih, T. W., Tulasi, D., & Masela, M. Y. (2023). Investigasi qualitative: Menggali tantangan yang dihadapi UKM Indonesia dalam mengakses layanan keuangan [Qualitative investigation: Exploring the challenges faced by Indonesian small and medium enterprises in accessing financial services]. Sanskara Akuntansi Dan Keuangan, 1(03), 120–130. https://doi.org/10.58812/sak.v1i03.102
Nugroho, A. P., Zulni, D. A., & Andriansyah, Y. (2023). Exploring the adoption of digital wallets among Islamic millennials in Yogyakarta, Indonesia using an extended UTAUT model: The role of Islamic consumption ethics. Journal of Theoretical and Applied Information Technology, 101(14), 5528–5540. https://www.researchgate.net/profile/Yuli-Andriansyah/publication/372823708_Exploring_the_Adoption_of_Digital_Wallets_among_Islamic_Millennials_in_Yogyakarta_Indonesia_Using_an_Extended_UTAUT_Model_The_Role_of_Islamic_Consumption_Ethics/links/64c94e4b862f8d299988c14a/Exploring-the-Adoption-of-Digital-Wallets-among-Islamic-Millennials-in-Yogyakarta-Indonesia-Using-an-Extended-UTAUT-Model-The-Role-of-Islamic-Consumption-Ethics.pdf
Nurbaiti, N., Asmuni, A., Soemitra, A., Imsar, I., & Aisyah, S. (2023). Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending. JPPI (Jurnal Penelitian Pendidikan Indonesia), 9(4), 92–99. https://doi.org/10.29210/020232273
Nurdin, Azizah, W. N., & Rusli. (2020). Pengaruh pengetahuan,kemudahan dan risiko terhadap minat bertransaksi menggunakan finansial technology (fintech) pada mahasiswa Institut Agama Islam Negeri (IAIN) Palu [The influence of knowledge, convenience and risk on interest in transactions using financial technology among students at the Palu State Islamic Institute]. Jurnal Ilmu Perbankan Dan Keuangan Syariah, 2(2), 199–222. https://doi.org/10.24239/jipsya.v2i2.32.198-221
Nusaibah, U. (2023). Digitalisasi ekonomi syariah di kalangan Generasi Z untuk peningkatan literasi keuangan syariah (Studi kasus mBanking BSI) [Digitalization of the sharia economy among Generation Z to increase sharia financial literacy (BSI mBanking case study)]. Musyarakah: Journal of Sharia Economic (MJSE), 12(1), 12–22. https://doi.org/10.24269/mjse.v12i1.6695
Otoritas Jasa Keuangan. (2024a, January 26). Statistik Perbankan Syariah—November 2023 [Sharia Banking Statistics—November 2023] [HTML]. Statistik Perbankan Syariah. https://ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/Pages/Statistik-Perbankan-Syariah---November-2023.aspx
Otoritas Jasa Keuangan. (2024b, February 7). Statistik P2P Lending Periode Desember 2023 [P2P Lending Statistics December 2023] [HTML]. Statistik Fintech. https://ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Pages/Statistik-P2P-Lending-Periode-Desember-2023.aspx
Prabandari, D. A. N. (2018). Analisis inklusivitas pertumbuhan ekonomi di Jawa Timur dan faktor-faktor yang memengaruhinya [Analysis of the inclusiveness of economic growth in East Java and the factors that influence it]. Jurnal Ilmiah Mahasiswa FEB, 7(1), Article 1. https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/5221
Prasetya, A. Y., & Wahyuni, D. (2020). Pengaruh lokasi, harga, kepercayaan dan kualitas pelayanan terhadap loyalitas pelanggan pada Cuwa Laundry di Kota Kisaran [The influence of location, price, trust and service quality on customer loyalty at Cuwa Laundry in Kisaran City]. Jurnal Sains Ekonomi (JSE), 1(2), 68–78. https://doi.org/10.36294/jse.v1i2.1953
Pratama, L. S. (2021). Studi pola perbandingan pola konsumsi rumah tangga kaya dan miskin di Kota Kisaran [Study of comparative patterns of consumption patterns of rich and poor households in Kisaran City]. Journal of Science and Social Research, 4(1), 87–95. https://doi.org/10.54314/jssr.v4i1.487
Rangkuti, A. R., Nurbaiti, & Irham, M. (2023). Analisis peran fintech syariah dalam meningkatkan keuangan inklusif pada UMKM Kota Medan [Analysis of the role of sharia fintech in increasing financial inclusion in Medan City MSMEs]. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 8(3), Article 3. https://doi.org/10.30651/jms.v8i3.20403
Sabrina, D. (2023). Kondisi sosial ekonomi pedagang kaki lima di wisata alun-alun Kota Kisaran [Socio-economic conditions of street vendors in the Kisaran City tourist square] [Undergraduate thesis, Universitas Muhammadiyah Sumatera Utara]. http://repository.umsu.ac.id/handle/123456789/22122
Santi, E., Budiharto, B., & Saptono, H. (2017). Pengawasan Otoritas Jasa Keuangan terhadap financial technology (Peraturan Otoritas Jasa Keuangan Nomor 77/Pojk.01/2016) [Financial Services Authority supervision of financial technology (Financial Services Authority Regulation Number 77/Pojk.01/2016)]. Diponegoro Law Journal, 6(3), 1–20. https://doi.org/10.14710/dlj.2017.19683
Saripudin, S., Nadya, P. S., & Iqbal, M. (2021). Upaya fintech syariah mendorong akselerasi pertumbuhan UMKM di Indonesia [Sharia fintech efforts encourage accelerated growth of micro, small and medium businesses in Indonesia]. Jurnal Ilmiah Ekonomi Islam, 7(1), 41–50. https://doi.org/10.29040/jiei.v7i1.1449
Setiani, D. D., Nivanty, H., Lutfiah, W., & Rahmawati, L. (2020). Fintech syariah: Manfaat dan problematika penerapan pada UMKM [Sharia fintech: Benefits and problems of implementation in micro, small and medium enterprises]. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 5(1), 75–90. https://doi.org/10.30651/jms.v5i1.4718
Syamsulbahri, D. (2018). UMKM dalam perspektif pembiayaan inklusif di Indonesia [Micro, small and medium enterprises in the perspective of inclusive financing in Indonesia]. Jurnal Ekonomi Dan Pembangunan, 26(1), 59–76. https://doi.org/10.14203/JEP.26.1.2018.59-76
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