Analisis Pembiayaan Loan-Based Crowdfunding Terhadap Usaha Mikro Kecil Menengah

Sati Ratna Dewanti(1*), Dinar Rika Septyaningtyas(2), Dandy Yuliansyah(3), Nindi Vaulia Puspita(4),

(1) Mahasiswa Fakultas Ekonomi Universitas Kadiri
(2) Fakultas Ekonomi Universitas Kadiri
(3) Fakultas Ekonomi Universitas Kadiri
(4) Fakultas Ekonomi Universitas Kadiri
(*) Corresponding Author

Abstract


Salah satu layanan dalam fintech adalah loan-based crowdfunding yang memberikan kemudahan memperoleh pinjaman bagi UMKM dalam mempertahankan dan meningkatkan usahanya. Penelitian ini bertujuan untuk membandingkan antara pembiayaan menggunakan Loan-Based Crowdfunding dan Bank Konvensional dalam membantu UMKM untuk mendapatkan pinjaman modal dengan mudah. Penelitian ini menggunakan referensi yang bersumber dari jurnal dianalisa untuk memecahkan masalah. Penelitian ini menunjukkan bahwa loan-based crowdfunding dapat memberikan nilai positif bagi pelaku usaha dengan kemudahan dalam melakukan pinjaman untuk mempertahankan dan mengembangkan usaha.

 

Kata kunci : Fintech, Loan-Based Crowdfunding, UMKM


Keywords


Fintech, Loan-Based Crowdfunding, UMKM

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DOI: http://dx.doi.org/10.30737/jimek.v3i2.1146

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