TY  - THES
N1  - Promotor 1:
Prof. Dr. H. Syamsul Anwar, M.A. dan Dr. Misnen Ardiansyah, S.E., M.Si.,
Ak., CA., ACPA.
ID  - digilib48717
UR  - https://digilib.uin-suka.ac.id/id/eprint/48717/
A1  - Suad Fikriawan, NIM.: 1630316002
Y1  - 2021/12/16/
N2  - Peer to peer lending fintech development can promote the
growth of small and medium businesses in Indonesia since fintech
industry provides practical loan services to those who need. This
prompts a support from the government through their regulations, two
of which are POJK number 77/POJK.01/2016 and DSN-MUI number
117/DSN-MUI/II/2018. According to empirical studies, however,
obstacles like the regulator?s slow response to accommodate chapter
are found in the implementation of the policies. The studies also
discover that the clause in POJK is more relevant to conventional
fintech lending and that the fatwa, apart from their weak position
before the law, is too specifically regulate the contract model. The
existing problems make the implementation ineffective. Hence, the
researcher tried to analyze the way the regulation is implemented, its
impact, changes and its effectiveness to sharia fintech lending
industry.
This study takes maq??id as-syar??ah Ab? Is??q as-Sh??ib? to be
the standard of good, positive effects and public policy concept from
Merilee Serill Grindle to be the standard of implementation. Through
these two perspectives, the researcher tried to reveal the
implementation, impacts, changes and effectiveness of sharia fintech
lending policy.
The results show that factors like program execution, provided
manpower, and institution?s characters and the ruling regime are
predominant over the implementation of sharia fintech lending policy
in Indonesia. It indicates the dominant OJK?s role in the
implementation of the policy. The implemented policy tends to be
instructional (top-down) making the policy works only for short-term
goals such as registration and business licensing and minimizing
illegal ones. In a long term, it fails to accommodate the business
development and innovation, in particular for sharia fintech lending.
In terms of loss and benefit, the implementation of the policy is
inefficient showing that the benefit cannot surpass the cost following policy implementation. This is confirmed by the average N-Gain
Score test which is 70.4% with the maximum and minimum are 98.50
and 52.90, respectively. The percentage tells that the policy
implementation is effective enough to reach its goals.
PB  - UIN SUNAN KALIJAGA YOGYAKARTA
KW  - fintech lending syariah; maq??id al-syari?ah; kebijakan publik; Pengawasan dan Mitigasi Risiko
M1  - doctoral
TI  - ANALISIS KEBIJAKAN FINTECH LENDING SYARIAH
DI INDONESIA:
Studi Implementasi, Dampak, Perubahan, dan Efektivitas POJK
77 Tahun 2016 dan Fatwa DSN MUI Nomor 117 Tahun 2018
AV  - restricted
EP  - 357
ER  -