{"id":"https://openalex.org/W2904174451","doi":"https://doi.org/10.24090/icms.2018.1818","title":"The Utilization of Fintech (P2P Landing) as SME\u2019s Capital Solution in Indonesia: Perspective in Islamic Economics (Qirad)","display_name":"The Utilization of Fintech (P2P Landing) as SME\u2019s Capital Solution in Indonesia: Perspective in Islamic Economics (Qirad)","publication_year":2018,"publication_date":"2018-04-23","ids":{"openalex":"https://openalex.org/W2904174451","doi":"https://doi.org/10.24090/icms.2018.1818","mag":"2904174451"},"language":"en","primary_location":{"id":"doi:10.24090/icms.2018.1818","doi":"https://doi.org/10.24090/icms.2018.1818","is_oa":true,"landing_page_url":"https://doi.org/10.24090/icms.2018.1818","pdf_url":null,"source":{"id":"https://openalex.org/S4210237953","display_name":"International Conference of Moslem Society","issn_l":"2622-5840","issn":["2622-5840"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"conference"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Conference of Moslem Society","raw_type":"journal-article"},"volume":null,"type":"conference-paper","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://doi.org/10.24090/icms.2018.1818","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5029918275","display_name":"Astri Rumondang Banjarnahor","orcid":"https://orcid.org/0000-0001-7220-9004","observed_orcids":["https://orcid.org/0000-0001-7220-9004"]},"institutions":[{"id":"https://openalex.org/I147337026","display_name":"Universitas Trisakti","ror":"https://ror.org/019fnr381","country_code":"ID","type":"education","lineage":["https://openalex.org/I147337026"]}],"countries":["ID"],"is_corresponding":true,"raw_author_name":"Astri Rumondang","raw_affiliation_strings":["Trisakti University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Trisakti University","institution_ids":["https://openalex.org/I147337026"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5029918275"],"corresponding_institution_ids":["https://openalex.org/I147337026"],"apc_list":null,"apc_paid":null,"fwci":10.9639,"has_fulltext":false,"cited_by_count":26,"citation_normalized_percentile":{"value":0.98460881,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":91,"max":98},"biblio":{"volume":"2","issue":null,"first_page":"12","last_page":"22"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":0.8788999915122986,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":0.8788999915122986,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.11940000206232071,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14281","display_name":"Islamic Finance and Communication","score":0.0003000000142492354,"subfield":{"id":"https://openalex.org/subfields/3312","display_name":"Sociology and Political Science"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.7889999747276306},{"id":"https://openalex.org/keywords/peer-to-peer-lending","display_name":"peer-to-peer lending","score":0.8809999823570251},{"id":"https://openalex.org/keywords/small-and-medium-sized-enterprises","display_name":"small and medium-sized enterprises","score":0.9419999718666077},{"id":"https://openalex.org/keywords/islamic-economics","display_name":"Islamic economics","score":0.9549999833106995},{"id":"https://openalex.org/keywords/access-to-finance","display_name":"access to finance","score":0.5899999737739563},{"id":"https://openalex.org/keywords/indonesia","display_name":"Indonesia","score":0.3190000057220459}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6320468187332153},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.6145444512367249},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.4740811586380005},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.4598871171474457},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.458124041557312},{"id":"https://openalex.org/C83646750","wikidata":"https://www.wikidata.org/wiki/Q193893","display_name":"Capital (architecture)","level":2,"score":0.45117396116256714},{"id":"https://openalex.org/C199728807","wikidata":"https://www.wikidata.org/wiki/Q2578557","display_name":"Equity (law)","level":2,"score":0.4430513381958008},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.43755921721458435},{"id":"https://openalex.org/C44750222","wikidata":"https://www.wikidata.org/wiki/Q1897397","display_name":"Financial capital","level":3,"score":0.4140084981918335},{"id":"https://openalex.org/C54750564","wikidata":"https://www.wikidata.org/wiki/Q26643","display_name":"Commerce","level":1,"score":0.3527766466140747},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2600918710231781},{"id":"https://openalex.org/C2776943663","wikidata":"https://www.wikidata.org/wiki/Q165687","display_name":"Human capital","level":2,"score":0.16598352789878845},{"id":"https://openalex.org/C34447519","wikidata":"https://www.wikidata.org/wiki/Q179522","display_name":"Market economy","level":1,"score":0.1642301082611084},{"id":"https://openalex.org/C199360897","wikidata":"https://www.wikidata.org/wiki/Q9143","display_name":"Programming language","level":1,"score":0.0},{"id":"https://openalex.org/C95457728","wikidata":"https://www.wikidata.org/wiki/Q309","display_name":"History","level":0,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.24090/icms.2018.1818","doi":"https://doi.org/10.24090/icms.2018.1818","is_oa":true,"landing_page_url":"https://doi.org/10.24090/icms.2018.1818","pdf_url":null,"source":{"id":"https://openalex.org/S4210237953","display_name":"International Conference of Moslem Society","issn_l":"2622-5840","issn":["2622-5840"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"conference"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Conference of Moslem Society","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.24090/icms.2018.1818","doi":"https://doi.org/10.24090/icms.2018.1818","is_oa":true,"landing_page_url":"https://doi.org/10.24090/icms.2018.1818","pdf_url":null,"source":{"id":"https://openalex.org/S4210237953","display_name":"International Conference of Moslem Society","issn_l":"2622-5840","issn":["2622-5840"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"conference"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Conference of Moslem Society","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.7257999777793884,"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8"},{"score":0.7207000255584717,"display_name":"Industry, innovation and infrastructure","id":"https://metadata.un.org/sdg/9"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4385706644","https://openalex.org/W4401490364","https://openalex.org/W7223113330","https://openalex.org/W3119051089","https://openalex.org/W7217480228","https://openalex.org/W4309534888","https://openalex.org/W4412006490","https://openalex.org/W4407146061","https://openalex.org/W7216348392","https://openalex.org/W4375768942"],"abstract_inverted_index":{"FinTech":[0,48],"as":[1,52],"a":[2,53,106,133],"technology-based":[3],"financial":[4,43,161],"service,":[5],"generally":[6],"opens":[7],"opportunities":[8],"for":[9,86],"increased":[10],"efficiency":[11],"in":[12,88,105,132,165,170,175,181,195],"creating":[13],"new":[14],"business,":[15],"better":[16],"risk":[17],"management":[18],"and":[19,23,34,72,76,83,113,115,142],"ease":[20],"of":[21,70,79,128,140,145,151,211],"transactions":[22],"trading":[24],"activities.":[25],"The":[26],"limited":[27],"access":[28],"to":[29,41,66,101,199,205],"capital":[30,104,178,198],"resources":[31],"(particularly":[32],"banking)":[33],"with":[35,109,117,167,183],"many":[36],"SMEs":[37],"that":[38,194],"are":[39],"unable":[40],"obtain":[42],"services,":[44],"is":[45,63,92,192],"utilized":[46],"by":[47,187,216],"(P2P":[49],"lending)":[50],"practicioners":[51],"good":[54],"business":[55,97,212],"opportunity":[56],"at":[57],"this":[58],"moment.":[59],"Fintech":[60],"P2P":[61],"Lending":[62],"considered":[64],"able":[65],"overcome":[67],"the":[68,80,89,118,126,137,143,146,152,159,168,177,184,197,202,217],"problems":[69],"Small":[71],"Medium":[73],"Enterprises":[74],"(SME)":[75],"become":[77],"one":[78,150],"captial":[81],"solution":[82],"empowerment":[84],"strategy":[85],"SME":[87,100],"future.":[90],"This":[91],"because":[93],"it":[94,191],"enables":[95],"small":[96],"owners":[98],"or":[99,207],"get":[102],"their":[103],"shorter":[107,119],"time":[108],"more":[110],"simple":[111],"terms":[112],"conditions,":[114],"also":[116],"loan":[120],"period.":[121],"It":[122],"will":[123,213],"be":[124,180,214],"encouraging":[125],"development":[127],"SMEs,":[129],"which":[130],"will,":[131],"long":[134],"run,":[135],"affect":[136],"equity":[138],"level":[139],"welfare":[141],"economy":[144],"middle":[147],"classes.":[148],"As":[149],"majority":[153],"Muslim":[154],"countries,":[155],"Indonesia":[156],"should":[157],"apply":[158],"FinTech-based":[160],"transaction":[162],"service":[163],"pattern":[164],"accordance":[166,182],"perspective":[169],"Islamic":[171],"economics":[172],"(Qirad).":[173],"Where":[174],"lending":[176,196],"must":[179],"provisions":[185],"set":[186],"God.":[188],"In":[189],"Qirad,":[190],"stipulated":[193],"others,":[200],"then":[201],"lender":[203],"has":[204],"know":[206],"understand":[208],"what":[209],"type":[210],"done":[215],"borrower.":[218]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":5},{"year":2024,"cited_by_count":5},{"year":2023,"cited_by_count":2},{"year":2022,"cited_by_count":6},{"year":2021,"cited_by_count":2},{"year":2020,"cited_by_count":5}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2018-12-22T00:00:00"}