{"id":"https://openalex.org/W3045264336","doi":"https://doi.org/10.20473/aijief.v2i2.20648","title":"EXPLORING ISLAMIC PEER-TO-PEER LENDING FOR THE UNBANKABLE","display_name":"EXPLORING ISLAMIC PEER-TO-PEER LENDING FOR THE UNBANKABLE","publication_year":2020,"publication_date":"2020-07-18","ids":{"openalex":"https://openalex.org/W3045264336","doi":"https://doi.org/10.20473/aijief.v2i2.20648","mag":"3045264336"},"language":"en","primary_location":{"id":"doi:10.20473/aijief.v2i2.20648","doi":"https://doi.org/10.20473/aijief.v2i2.20648","is_oa":true,"landing_page_url":"https://doi.org/10.20473/aijief.v2i2.20648","pdf_url":"https://e-journal.unair.ac.id/AIJIEF/article/download/20648/pdf","source":{"id":"https://openalex.org/S4210175560","display_name":"Airlangga International Journal of Islamic Economics and Finance","issn_l":"2579-9169","issn":["2579-9169","2615-8205"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315151","host_organization_name":"Airlangga University","host_organization_lineage":["https://openalex.org/P4310315151"],"host_organization_lineage_names":["Airlangga University"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Airlangga International Journal of Islamic Economics and Finance","raw_type":"journal-article"},"parent_works":[],"lineage":["https://openalex.org/W3045264336"],"child_works_count":0,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://e-journal.unair.ac.id/AIJIEF/article/download/20648/pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5017814928","display_name":"Rizqi Umar Al Hashfi","orcid":"https://orcid.org/0009-0006-5064-3751","observed_orcids":["https://orcid.org/0009-0006-5064-3751","https://orcid.org/0000-0001-9857-7059"]},"institutions":[{"id":"https://openalex.org/I165230279","display_name":"Universitas Gadjah Mada","ror":"https://ror.org/03ke6d638","country_code":"ID","type":"education","lineage":["https://openalex.org/I165230279"]}],"countries":["ID"],"is_corresponding":true,"raw_author_name":"Rizqi Umar Al-Hashfi","raw_affiliation_strings":["Gadjah Mada University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Gadjah Mada University","institution_ids":["https://openalex.org/I165230279"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5023147450","display_name":"Alyta Shabrina Zusryn","orcid":"https://orcid.org/0000-0001-5581-3859","observed_orcids":["https://orcid.org/0000-0001-5581-3859"]},"institutions":[{"id":"https://openalex.org/I167587658","display_name":"Yarsi University","ror":"https://ror.org/03a8rwx10","country_code":"ID","type":"education","lineage":["https://openalex.org/I167587658"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Alyta Shabrina Zusryn","raw_affiliation_strings":["YARSI University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"YARSI University","institution_ids":["https://openalex.org/I167587658"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5017814928"],"corresponding_institution_ids":["https://openalex.org/I165230279"],"apc_list":null,"apc_paid":null,"fwci":1.7257,"has_fulltext":true,"cited_by_count":15,"citation_normalized_percentile":{"value":0.84798675,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":87,"max":98},"biblio":{"volume":"2","issue":"2","first_page":"71","last_page":"71"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":0.8246999979019165,"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":0.8246999979019165,"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":0.17430000007152557,"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/T10987","display_name":"Microfinance and Financial Inclusion","score":0.00019999999494757503,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/unbanked-populations","display_name":"unbanked populations","score":0.9300000071525574},{"id":"https://openalex.org/keywords/small-and-medium-sized-enterprises","display_name":"small and medium-sized enterprises","score":0.7630000114440918},{"id":"https://openalex.org/keywords/alternative-financing","display_name":"alternative financing","score":0.7269999980926514},{"id":"https://openalex.org/keywords/prohibition-of-interest","display_name":"riba prohibition","score":0.7210000157356262},{"id":"https://openalex.org/keywords/credit-scoring","display_name":"credit scoring","score":0.8510000109672546},{"id":"https://openalex.org/keywords/transparency","display_name":"transparency","score":0.49000000953674316},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.6140000224113464},{"id":"https://openalex.org/keywords/welfare-gains","display_name":"welfare gains","score":0.7549999952316284},{"id":"https://openalex.org/keywords/indonesia","display_name":"Indonesia","score":0.6299999952316284}],"concepts":[{"id":"https://openalex.org/C168702047","wikidata":"https://www.wikidata.org/wiki/Q482752","display_name":"Sharia","level":3,"score":0.7444000244140625},{"id":"https://openalex.org/C2778430866","wikidata":"https://www.wikidata.org/wiki/Q3061848","display_name":"Unbanked","level":4,"score":0.7171175479888916},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6623871326446533},{"id":"https://openalex.org/C2780233690","wikidata":"https://www.wikidata.org/wiki/Q535347","display_name":"Transparency (behavior)","level":2,"score":0.6371139287948608},{"id":"https://openalex.org/C110875604","wikidata":"https://www.wikidata.org/wiki/Q75","display_name":"The Internet","level":2,"score":0.5288504362106323},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.5258013606071472},{"id":"https://openalex.org/C4445939","wikidata":"https://www.wikidata.org/wiki/Q432","display_name":"Islam","level":2,"score":0.525569498538971},{"id":"https://openalex.org/C534932454","wikidata":"https://www.wikidata.org/wiki/Q161410","display_name":"Peer-to-peer","level":2,"score":0.4808948040008545},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.4369601011276245},{"id":"https://openalex.org/C116537","wikidata":"https://www.wikidata.org/wiki/Q2169973","display_name":"Service provider","level":3,"score":0.42500197887420654},{"id":"https://openalex.org/C54750564","wikidata":"https://www.wikidata.org/wiki/Q26643","display_name":"Commerce","level":1,"score":0.33637726306915283},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.29354292154312134},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.25623488426208496},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.25139832496643066},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.22825205326080322},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.18353217840194702},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0805448591709137},{"id":"https://openalex.org/C149923435","wikidata":"https://www.wikidata.org/wiki/Q37732","display_name":"Demography","level":1,"score":0.0},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C27206212","wikidata":"https://www.wikidata.org/wiki/Q34178","display_name":"Theology","level":1,"score":0.0},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.0},{"id":"https://openalex.org/C120314980","wikidata":"https://www.wikidata.org/wiki/Q180634","display_name":"Distributed computing","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.20473/aijief.v2i2.20648","doi":"https://doi.org/10.20473/aijief.v2i2.20648","is_oa":true,"landing_page_url":"https://doi.org/10.20473/aijief.v2i2.20648","pdf_url":"https://e-journal.unair.ac.id/AIJIEF/article/download/20648/pdf","source":{"id":"https://openalex.org/S4210175560","display_name":"Airlangga International Journal of Islamic Economics and Finance","issn_l":"2579-9169","issn":["2579-9169","2615-8205"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315151","host_organization_name":"Airlangga University","host_organization_lineage":["https://openalex.org/P4310315151"],"host_organization_lineage_names":["Airlangga University"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Airlangga International Journal of Islamic Economics and Finance","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.20473/aijief.v2i2.20648","doi":"https://doi.org/10.20473/aijief.v2i2.20648","is_oa":true,"landing_page_url":"https://doi.org/10.20473/aijief.v2i2.20648","pdf_url":"https://e-journal.unair.ac.id/AIJIEF/article/download/20648/pdf","source":{"id":"https://openalex.org/S4210175560","display_name":"Airlangga International Journal of Islamic Economics and Finance","issn_l":"2579-9169","issn":["2579-9169","2615-8205"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315151","host_organization_name":"Airlangga University","host_organization_lineage":["https://openalex.org/P4310315151"],"host_organization_lineage_names":["Airlangga University"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Airlangga International Journal of Islamic Economics and Finance","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.5378999710083008,"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure"},{"score":0.48510000109672546,"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth"},{"score":0.46149998903274536,"id":"https://metadata.un.org/sdg/16","display_name":"Peace, justice, and strong institutions"},{"score":0.41670000553131104,"id":"https://metadata.un.org/sdg/1","display_name":"No poverty"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3045264336.pdf","grobid_xml":"https://content.openalex.org/works/W3045264336.grobid-xml"},"referenced_works_count":13,"referenced_works":["https://openalex.org/W430137803","https://openalex.org/W1551381317","https://openalex.org/W1727710429","https://openalex.org/W1836875240","https://openalex.org/W1992751099","https://openalex.org/W2066578681","https://openalex.org/W2150973334","https://openalex.org/W2215139283","https://openalex.org/W2267316813","https://openalex.org/W2758634436","https://openalex.org/W2899236655","https://openalex.org/W4248841288","https://openalex.org/W4295138810"],"related_works":["https://openalex.org/W4412006490","https://openalex.org/W4406093230","https://openalex.org/W4407192799","https://openalex.org/W4404584127","https://openalex.org/W7201871469","https://openalex.org/W7154992061","https://openalex.org/W4309534888","https://openalex.org/W4412461539","https://openalex.org/W4283753456","https://openalex.org/W7203653457"],"abstract_inverted_index":{"Increasing":[0],"internet":[1],"penetration":[2],"and":[3,27,40,55,112],"technology-savvy":[4],"generation":[5],"in":[6,22,77],"Indonesia":[7],"can":[8],"be":[9,96],"an":[10,150],"opportunity":[11],"for":[12,38,52,138,153],"high-tech":[13],"businesses.":[14],"Those":[15],"are":[16,92,106],"driven":[17],"by":[18],"the":[19,23,30,67,88,93,107,119,129,135],"significant":[20],"growth":[21],"number":[24],"of":[25,46,69,100,109],"borrowers":[26,54],"lenders":[28],"at":[29],"peer-to-peer":[31],"(P2P)":[32],"marketplace":[33],"that":[34,87],"provides":[35],"alternative":[36],"funding":[37],"small":[39],"medium":[41],"enterprises":[42],"(SMEs).":[43],"The":[44,98],"presence":[45],"shariacompliant":[47],"P2P":[48,71,82,90,155],"providers":[49,91],"offers":[50],"alternatives":[51],"both":[53],"financiers":[56,139],"who":[57,140],"concern":[58],"about":[59],"Islamic":[60,101],"values.":[61],"Our":[62],"work":[63],"aims":[64],"to":[65,95,122],"discuss":[66],"role":[68],"sharia":[70,89,130,154],"lending":[72],"on":[73],"improving":[74],"people's":[75],"welfare":[76],"Indonesia.":[78],"By":[79],"observing":[80],"26":[81],"platform":[83],"providers,":[84],"we":[85,147],"conclude":[86],"potential":[94],"developed.":[97],"applications":[99],"value":[102],"technological":[103],"advancements,":[104],"which":[105],"prohibition":[108],"interest,":[110],"transparency,":[111],"a":[113],"sophisticated":[114],"credit":[115],"scoring":[116],"system,":[117],"enable":[118],"unbanked":[120],"population":[121],"access":[123],"financial":[124],"service,":[125],"especially":[126],"lending.":[127],"However,":[128],"platforms":[131],"do":[132],"not":[133],"offer":[134],"redemption":[136],"mechanism":[137],"take":[141],"their":[142],"money":[143],"back":[144],"early.":[145],"Therefore,":[146],"also":[148],"propose":[149],"integrated":[151],"scheme":[152],"platforms.":[156]},"counts_by_year":[{"year":2026,"cited_by_count":2},{"year":2025,"cited_by_count":5},{"year":2024,"cited_by_count":4},{"year":2022,"cited_by_count":3},{"year":2021,"cited_by_count":1}],"updated_date":"2026-11-13T13:42:25.865203","created_date":"2020-07-29T00:00:00"}