Risk Management Financing Analysis In Sharia Peer To Peer Lending At Pt Alami Fintek Sharia
Corresponding Author(s) : Rahma Yudi Astuti
Prosiding International Conference on Sustainable Innovation (ICoSI),
Vol. 2 No. 1 (2022): Optimizing Global Benefit for Future Wellbeing
Abstract
The development of technology is currently growing rapidly including financial technology (fintech). Current phenomenon, where people are often tempted by online loans with high interest rates. Lack of literacy causes many people are in debt. This research can provide knowledge to the public that there is sharia-based peer to peer lending. The purpose of this study is to analyze the workings of the PT Alami Fintek Sharia platform as a peer to peer lending based on sharia, to analyze the application of financing risk management and mitigation of financing risk at PT Alami Fintek Sharia. This study using descriptive qualitative research methods. The data analysis used is data reduction, data presentation, and drawing conclusions. The results of this study are: The SOP that has been implemented by PT Alami Fintek Sharia is in accordance with OJK Regulation No.77/POJK.01/2016 accordance with sharia principles, MUI Fatwa No. 117/DSN-MUI/II/2018. PT Alami Fintek Sharia has excellent risk management. In conclusion, PT Alami Fintek has good risk management and risk mitigation.
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