Mekanisme Pembiayaan Berbasis Digital pada Fintech Syariah Peer To Peer Lending

Hanim Misbah; Saiful Bakhri; Risa Umami; Kharina Arifia

doi:10.55757/tasharruf.v6i1.1149

Mekanisme Pembiayaan Berbasis Digital pada Fintech Syariah Peer To Peer Lending

Authors

Hanim Misbah Universiti Sains Islam Malaysia
Saiful Bakhri Universitas Nahdlatul Ulama Pasuruan
Risa Umami Universitas Nahdlatul Ulama Pasuruan
Kharina Arifia Universitas Nahdlatul Ulama Pasuruan

DOI:

https://doi.org/10.55757/tasharruf.v6i1.1149

Keywords:

Digital Financing Mechanism, Financial Inclusion, Islamic Fintech, MSME, Peer-to-Peer Lending

Abstract

The rapid advancement of information technology has significantly transformed financial services, giving rise to digital innovations such as Islamic Peer-to-Peer (P2P) Lending Fintech. This platform offers a Sharia-compliant financing alternative, primarily targeting Micro, Small, and Medium Enterprises (MSMEs) that often face barriers in accessing traditional bank loans. This study aims to analyze the digital financing mechanism within Islamic P2P lending, examining its regulatory framework, underlying Islamic contracts, operational structure, and key distinctions from conventional models. The findings indicate that Islamic P2P lending operates on core Sharia principles prohibiting riba (usury), gharar (uncertainty), and maysir (speculation) and utilizes contracts such as mudharabah (profit-sharing), musyarakah (joint venture), wakalah bil ujrah (fee-based agency), and al-qardh (benevolent loan). The study concludes that Islamic P2P lending enhances financial inclusion by providing accessible, transparent, and ethically structured digital financing, thereby supporting the growth of MSMEs and promoting the broader development of Indonesia's Islamic financial ecosystem.

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Published

2025-05-09

How to Cite

Misbah, H., Bakhri, S., Umami, R., & Arifia, K. (2025). Mekanisme Pembiayaan Berbasis Digital pada Fintech Syariah Peer To Peer Lending. Tasharruf : Journal of Islamic Economics and Business, 6(1), 33–48. https://doi.org/10.55757/tasharruf.v6i1.1149