Analisis Peluang dan Tantangan Penggunaan Financial Technology Sebagai Upaya optimalisasi Potensi UMKM (Studi Kasus UMKM di Gresik)

Fitri Romadhon1) , Alfiana Fitri2)

Universitas Internasional Semen Indonesia1) , Universitas Internasional Semen Indonesia2)

Jl.Veteran, Kb. Dalem, Sidomoro, Kebomas, Gresik.

fitri.romadhon@uisi.ac.id, alfiana.fitri@uisi.ac.id

Abstract

The purpose of this study is to describe and interpret the challenges and opportunities of financial technology (fintech) for the development of MSMEs. This study seeks to describe the research subjects, namely SMEs. This study uses a qualitative descriptive approach because data analysis comes from written information and considers opinions from informants. Based on the results of interviews with MSMEs, it can be concluded that MSMEs have a good interpretation of fintech, namely fintech as something that provides financial services with technological assistance, and it is beneficial for the development of MSME businesses, although not all MSME owners use this facility. This research also shows that in adopting fintech, SMEs must consider the obstacles that can affect success in implementing fintech. Some factors that have been identified as the causes of the inadequate application of fintech in the Gresik region are time, information and skills, security, legal issues, market needs, number of transactions and doubts about the technology to be used. Gresik was chosen as a research location because MSMEs in Gresik have a lot of potential to develop, namely around 200,000 MSMEs located in the Gresik region. In addition, there are also opportunities that can be used by MSMEs through fintech to expand its business, namely the ease and interest offered by fintech, as well as opportunities to minimize fraud. The SMEs also realize that fintech is a potential technology for the future of MSMEs. Therefore, there needs to be a support mechanism from various parties, such as the Office of Cooperatives and SMEs, and educational institutions in order to increase awareness, financial literacy in maximizing the benefits of fintech.

Keywords: financial technology, MSME, opportunities and challenges

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