Efektifitas Fintech dalam Meningkatkan Akses Pembiayaan bagi Pelaku Usaha Mikro
Kata Kunci:
Effectiveness, financial technology, Financing, Micro, Small, and Medium Enterprises (MSMEs)Abstrak
Micro, Small, and Medium Enterprises (MSMEs) have a significant contribution to the national economy, but often face obstacles in accessing financing from traditional financial institutions. The development of financial technology (fintech) has opened up new opportunities for MSMEs to overcome these obstacles. This study aims to evaluate the effectiveness of fintech in increasing access to financing for micro entrepreneurs in Indonesia, especially in Metro City. The approach used involves literature analysis, secondary data, and case studies of peer-to-peer (P2P) lending platforms. The results of the study show that fintech is able to provide more inclusive financing solutions with simple procedures, fast processing times, and high accessibility through digital technology. In addition, fintech also contributes to increasing financial literacy and providing opportunities for diversifying financing sources for MSME micro entrepreneurs in Metro City. However, there are several challenges that need to be overcome, such as low digital literacy, data security risks, and dependence on technological infrastructure. This study provides practical implications for the development of fintech industry policies and strategies to strengthen financial inclusion. In addition, this study also offers academic insights regarding the role of fintech in supporting the MSME sector in Metro City. By overcoming various existing obstacles, fintech has great potential to become a sustainable solution in increasing access to financing for micro-entrepreneurs in Metro City.
Unduhan
Referensi
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