THE URGENCY OF FINANCIAL TECHNOLOGY LITERACY FOR COMMUNITIES (MSMEs) 1Nanik Eprianti, 2 Popon Srisusilawati, 3Mohamad Andri Ibrahim, 4Intan Manggala W
123 Perbankan Syariah, 4 Hukum Ekonomi Syariah UNIVERSITAS ISLAM BANDUNG
Email : 1nanikeprianti[at]gmail.com , 2poponsrisusilawati[at]unisba.ac.id 3,andriibrahim[at]unisba.ac.ic, 4intan.manggala[at]unisba.ac.id
Orcid: 1https://orcid.org/0000-0001-8416-5256, 2https://orcid.org/0000-0002-7620-9287 , 3https://orcid.org/0000-0002-1947-632X?lang=en , 4https://orcid.org/0000-0001-6761-9308
Abstract
Information Technology-Based Money Lending Services which are considered to have contributed to development and the national economy. Financial technology (Fintech) refers to the definition of the National Digital Research Center (NDRC), namely as financial innovation in the scope of financial services, while this innovation combines financial and modern technology. However, the results of the OJK survey in 2022 illustrate that people using digital financial technology platforms are only 10.9%, very low from other financial institutions. This shows the lack of literacy about financial technology in the community.
This study uses a qualitative method with a descriptive analysis approach. The results of the study show steps to increase literacy according to POJK Number 77/POJK.01/2016 the scope for increasing financial literacy includes planning and implementation of: 1. -Financial Education- and 2. -Development of infrastructure that supports financial literacy for consumers and/or the public, and protection for users of technology-based money lending services as follows- a. transparency- b. fair treatment- c. reliability- d. data confidentiality and security- and e. settlement of User disputes in a simple, fast, and affordable way.
Keywords: Society, Literacy, Financial Technology
Topic: Marketing and Fintech in Terms of Islamic Perspective
