Munich Personal RePEc Archive

Peningkatan Keuangan Inklusif di Indonesia melalui Fintech Syariah

Ngasuko, Tri Achya (2018): Peningkatan Keuangan Inklusif di Indonesia melalui Fintech Syariah. Published in: Disruptive Mindset Sektor Jasa Keuangan , Vol. 1, No. 1 (1 November 2018): pp. 103-120.

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Abstract

Financial inclusion is a hot issue because financial inclusion is one of a country's efforts to reduce inequality or improve people's welfare. The utilization of savings is only one of the indicators seen in increasing financial inclusion. Other indicators are mobile money accounts, digital payments, credit levels, remittances, and dormant/unused accounts. On the other hand, Indonesia, with a Muslim majority population, 207 million (BPS 2010), is the potential to gain an increase in the level of financial inclusion. The presence of the internet also opens opportunities to introduce Islamic financial products among the public. This paper aims to see the possibilities for Islamic financial products to increase financial inclusion in the digital age. This paper uses the study of literature as a study material. The study concluded that at the beginning of the financial inclusion policy in Indonesia, savings were considered as the initial entry point in efforts to increase financial inclusion. The presence of fintech has slightly changed this perspective. With the fintech dependence, especially sharia fintech, it is expected that aims to increase financial inclusion can be through various means such as payment services, P2P lending, or crowdfunding. Thus the growth of Islamic fintech will contribute to the development of financial inclusion in Indonesia.

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