PENGEMBANGAN EQUITY CROWDFUNDING SYARIAH BERBASIS PLATFORM DIGITAL DALAM PEMBIAYAAN UMKM

Authors

  • Abdul Hadi Institut Ummul Quro Al Islami Bogor
  • Anida Lutfiyah Institut Ummul Quro Al Islami Bogor
  • Sri Utami Institut Ummul Quro Al Islami Bogor
  • Zul Faizin Institut Ummul Quro Al Islami Bogor
  • Nabilah Purwanti Institut Ummul Quro Al Islami Bogor
  • abdul aziz Institut Ummul Quro Al Islami Bogor

DOI:

https://doi.org/10.30863/alkharaj.v5i1.8553

Keywords:

equity crowdfunding, keuangan syariah, platform digital, UMKM, pembiayaan

Abstract

ABSTRAK

Studi ini membahas inovasi platform pendanaan berbasis keadilan (equity crowdfunding) yang menerapkan prinsip syariah melalui sistem digital untuk memfasilitasi pendanaan Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia. Penelitian bertujuan menelaah prospek, sistem kerja, dan penerapan crowdfunding syariah dalam konteks dukungan finansial UMKM. Metodologi menggunakan pendekatan kualitatif deskriptif dengan teknik pengambilan data meliputi kajian pustaka, dialog mendalam, dan pengamatan langsung. Temuan riset menunjukkan sistem crowdfunding syariah digital berpotensi mengatasi keterbatasan akses pendanaan UMKM melalui platform teknologi yang patuh syariah. Sistem ini menghadirkan mekanisme profit sharing yang akuntabel dan bebas riba, sekaligus mereduksi ketimpangan informasi. Kendala utama mencakup aspek regulasi, literasi keuangan syariah digital, dan infrastruktur teknologi. Studi ini merekomendasikan strategi pengembangan melalui penguatan regulasi, edukasi pelaku usaha dan investor, serta kolaborasi dengan lembaga keuangan syariah dan ekosistem digital untuk menciptakan platform yang efektif dalam mendukung pembiayaan UMKM.

ABSTRACT

This study examines the innovation of equity crowdfunding platforms that implement Islamic principles through digital systems to facilitate funding for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. The research aims to analyze prospects, working systems, and implementation of sharia crowdfunding in the context of MSME financial support. The methodology uses a descriptive qualitative approach with data collection techniques including literature review, in-depth interviews, and direct observation. Research findings indicate that digital sharia crowdfunding systems have the potential to address limited access to MSME funding through sharia-compliant technology platforms. This system presents an accountable and riba-free profit-sharing mechanism while reducing information asymmetry. Major challenges include regulatory aspects, digital Islamic financial literacy, and technological infrastructure. This study recommends development strategies through regulatory strengthening, education for business actors and investors, and collaboration with Islamic financial institutions and digital ecosystems to create an effective platform in supporting MSME financing.

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Published

2025-06-15

How to Cite

Hadi, A., Lutfiyah, A., Utami, S., Faizin, Z., Purwanti, N., & aziz, abdul. (2025). PENGEMBANGAN EQUITY CROWDFUNDING SYARIAH BERBASIS PLATFORM DIGITAL DALAM PEMBIAYAAN UMKM. Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, Dan Hukum Ekonomi, 5(1), 140–157. https://doi.org/10.30863/alkharaj.v5i1.8553

Issue

Vol. 5 No. 1 (2025)

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Articles

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