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One form of progress in the current financial sector is evidenced by the adaptation of Fintech, which stands for sharia P2PL Financial Technology. Financial institutions in carrying out their activities cannot be avoided what is called risk. That's why to gain profit and customer trust, financial institutions are required to have good risk management, especially fintech companies that offer convenience and efficiency in transactions, so they will be very vulnerable to various types of risks in the financing process that can affect the sustainability of the fintech itself. fintech companies, before channeling financing to potential recipients of funds, also need to be able to pay attention to various risks that may arise, both predictable and not, and also have techniques for mitigating risks from all possibilities that may occur in the future, so there is a need for strategic steps and ways to minimize existing risks. This type of research is empirical and uses a qualitative approach with secondary data source. From the explanation, it can be said that PT ALAMI Sharia has carried out Sharia fintech P2PL transactions that are following existing economic principles starting from the identification of potential recipients of funds, analysis carried out by PT ALAMI and risk mitigation carried out by PT ALAMI Syariah.

The obstruction of several business activities caused by the pandemic has led to the need for institutions that can manage and develop MSMEs in the midst of this outbreak. One of the institutions that is being developed is Sharia fintech. This research uses a literature study method where in this method the researcher uses several sources that present topics related to the research. This research also uses secondary sources where the source presents data related to Sharia fintech and MSMEs. The research technique used in this study is descriptive statistics by examining patterns to develop MSMEs using Sharia-based fintech. The results of this study revealed that currently the total assets of Sharia fintech reached 50 billion in IDR with a growth 8.32 %, which shows a significant figure compared to February 2020. Since the development of Sharia fintech, there have been 13 Sharia financial technology and there’re six companies engaged in financing 65 to develop MSMEs. The pattern used in developing MSEs that have a Sharia basis can use the role of fintech institutions not only providing financial assistance in the form of money but also providing assistance in the form of companions in developing their businesses related to MSME marketing..

This study aims to analyze the comparison of financial performance between conventional commercial banks and sharia commercial banks in Indonesia. This research is a type of descriptive research with a quantitative approach. The population taken in this study are commercial banks registered with the Otoritas Jasa Keuangan (OJK). Sampling in this study was conducted using purposive sampling technique so that a sample of 11 conventional commercial banks and 9 sharia commercial banks was obtained. The data used is secondary data obtained from the published annual reports of each commercial bank registered with the Otoritas Jasa Keuangan (OJK) during the 2016-2020 period. The data in this study consists of financial ratios Return On Assets (ROA), Return On Equity (ROE), Net Interest Margin/Net Operating Margin (NIM/NOM), Operating Costs to Operating Income (BOPO), and Non-Performing Loans/Non-Performing Financing (NPL/NPF). In this study, data analysis was carried out using descriptive statistical analysis and the two-sample independent test of non-parametric statistics, namely the Mann Whitney test. After analyzing the data, the results show that there are differences in the financial performance of conventional commercial banks and sharia commercial banks as measured by the ratio of ROA, ROE, NIM/NOM, BOPO and NPL/NPF. In general, the financial performance of conventional commercial banks is better than that of Islamic commercial banks.  

Penelitian ini bertujuan untuk mengetahui pemahaman nasabah terhadap Pembiyaan Syariah  pada PT. Amanah Finance Makassar. Penelitian ini menggunakan dua pendekatan, yaitu pendekatan kaulitatif dan Jenis penelitian yang digunakan dalam menganalisis pemahaman nasabah terhadap kontrak syariah pada Lembaga Keuangan Mikro Syariah menggunakan metode penelitian deskriptif kuantitatif dengan metode analisis skala likert dan uji chi square. Dalam pengamatan awal penelitian, tampak pemahaman nasabah terhadap kontrak bisnis syariah pada Lembaga Keuangan Mikro Syariah dipengaruhi oleh banyak faktor, yang secara umum dapat dikategorikan menjadi: (1) variabel demografi (2) varabel ekonomi-kelembagaan, (3) variabel pelayanan-kelembagaan, (4) variabel substansi kontrak bisnis syariah, dan (5) variabel sosial budaya masyarakat. Variabel-variabel tersebut dianalisis dengan pendalaman atas substansi teori pemahaman, dan teori Pembiyaan syariah, PT. Amanah Finance Makassar.