STUDI PERKEMBANGAN CROWD FUNDING SYARIAH DI INDONESIA TERHADAP SOLUSI PENDANAAN UMKM
Abstrak
Abstrak
Penelitian ini membahas perkembangan crowdfunding syariah di Indonesia sebagai opsi pembiayaan bagi Usaha Mikro, Kecil, dan Menengah (UMKM). Crowdfunding syariah didefinisikan sebagai sistem pembiayaan yang sesuai dengan prinsip-prinsip syariah, dengan menghindari unsur riba, perjudian, dan keuntungan spekulatif. Artikel ini menyajikan informasi tentang struktur model crowdfunding, pertumbuhan fenomena crowdfunding di Indonesia, manfaatnya bagi UMKM, serta tantangan dan hambatan yang perlu dihadapi. Selain itu, regulasi yang terkait dengan crowdfunding, khususnya Peraturan Otoritas Jasa Keuangan (OJK), turut menjadi perhatian dalam pembahasan. Artikel ini menekankan pentingnya peningkatan kesadaran masyarakat terhadap crowdfunding, melibatkan pihak-pihak terkait, dan berkolaborasi dengan negaranegara yang memiliki pengalaman dalam menerapkan crowdfunding. Harapannya, crowdfunding syariah dapat menjadi model pembiayaan yang inklusif dan berkelanjutan, mendukung perkembangan UMKM, serta mengurangi ketergantungan pada lembaga keuangan dan pemerintah.
Kata Kunci: Crowdfunding syariah, Pendanaan UMKM, Studi Perkembangan.
Abstract
This study examines the development of Sharia-compliant crowdfunding in Indonesia as a financing option for Micro, Small, and Medium Enterprises (MSMEs). Sharia crowdfunding is defined as a financing system aligned with Islamic principles, avoiding elements of usury (riba), gambling, and speculative profit. This article provides insights into the structure of crowdfunding models, the growth of the crowdfunding phenomenon in Indonesia, its benefits for MSMEs, as well as the challenges and obstacles faced. Additionally, regulations related to crowdfunding, particularly those issued by the Financial Services Authority (OJK), are also discussed. The article highlights the importance of raising public awareness about crowdfunding, involving relevant stakeholders, and collaborating with countries experienced in implementing crowdfunding. It is hoped that Sharia-compliant crowdfunding can become an inclusive and sustainable financing model, support MSME development, and reduce dependency on financial institutions and the government.
Keywords: Sharia Crowdfunding, MSME Funding, Development Study.
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