Electronic Theses and Dissertation

Abstrak tujuan dari penelitian ini adalah untuk mengetahui pengaruh fintech syariah jenis peer to peer lending syariah, digital payment system syariah, dan market aggregator syariah terhadap inklusi keuangan syariah umkm pada masa pandemi covid-19 di kota banda aceh. total dari keseluruhan umkm yang ada di kota banda aceh yaitu 17.205 dan sebanyak 99 umkm dijadikan sampel dalam penelitian ini. model analisis yang digunakan regresi linier berganda. hasil penelitian menunjukkan bahwa fintech syariah jenis peer to peer lending syariah, digital payment system syariah, dan market aggregator syariah berpengaruh positif terhadap inklusi keuangan syariah umkm pada masa pandemi covid-19 di kota banda aceh, dimana teknologi yang ditawarkan fintech syariah lebih mudah, cepat dan praktis, serta masyarakat lebih nyaman bertransaksi secara digital. selain itu, fintech syariah juga mempermudah masyarakat dalam mencari informasi harga pasar. kata kunci: covid-19, inklusi keuangan syariah, umkm, fintech syariah.

ABSTRACT The purpose of this study was to determine the impact of Islamic Peer to Peer Lending Syariah fintech, Sharia Digital Payment System Syariah, and Sharia Market Aggregators on Sharia Financial Inclusion of SMEs during the Covid-19 Pandemic in Banda Aceh City. The total of all MSMEs in Banda Aceh City is 17,205 and many as 99 MSMEs were sampled in this study which were determined using the Slovin formula and selected using the purposive sampling technique. The analytical model used in this study uses multiple linear regression. The results of this study indicate that fintech types of Peer to Peer Lending Syariah, Digital Payment System Syariahs, and Market Aggregators have a positive effect on MSME financial inclusion during the Covid-19 pandemic in Banda Aceh City, where the technology offered by fintech is easier, faster and more practical, as well as the public, more convenient to transact digitally. In addition, fintech also makes it easier for people to find market price information. Keywords: Covid-19, Sharia Financial Inclusion, MSMEs, Sharia Fintech.