April 2, 2020
Butuh modal atau Niat invetasi? KENALI FINTECH !

Butuh modal atau Niat invetasi? KENALI FINTECH !

In this video we will talk about fintech and its types What is fintech? Fintech are financial and technology Fintech is a financial service that uses online technology innovation especially those made by startups The financial sector has developed so that it is somewhat different from the previous era, where the bank is the only financial service that is most relied on by the people what are the financial services? Financial services include things like, saving money, taking deposits, transferring money, borrowing money pay regular household expenses, up to payment when shopping with ATM card facilities banks actually have adapted to online technology, such as ATM, internet banking and phone banking Then why are bank services not in the fintech category? What is the difference? the difference is that bank services have a bureaucratic process this is the explanation, the term fintech began to be known during the economic crisis in the US in 2008, where at that time the market needed alternative financial services that were faster and more efficient startups read the needs quickly, then they made online-based financial services that we now know as fintech technology that is able to cut bureaucracy, answers the challenges of the market that is increasingly familiar with the use of online technology, in their daily lives so that currently the financial sector is no longer monopolized by banks now, let’s get to know, what are the financial services of Fintech that are now widely known in the community 1. Crowdfunding simply, crowdfunding is a joint venture to finance a business for example, you have a business plan that has good prospects and needs capital to make it happen then you can create an online platform, for example a website that explains the business plan and the prospect opportunities then you invite the public to finance the business with certain conditions and of course, in business, they also have to get financial benefits from the financing to be interested in investing which must be considered in crowdfunding, of course, both parties must be very confident in guaranteeing the security of their cooperation the example of a crowdfunding startup is kitabisa, wujudkan, ayopeduli, crowdtivate, gandengtangan, caricara and so on Furthermore, for those who want to invest in sharia-based crowdfunding, you can learn Ethis Crowd Ethis Crowd is present offering the world’s first sharia-based property crowdfunding platform Project Ethis Crowd is providing housing at affordable prices for the community, especially those with low income currently Ethis Crowd has been operating in Indonesia, Malaysia and Singapore And in 2016, Ethhis crowd won 2 awards, namely ‘the best Islamic crowdfunding platform’ from the global Islamic finance award and ‘Islamic economy award’ in Dubai 2. peer to peer lending peer to peer lending is almost similar to crowdfunding, but not the same peer to peer lending is a platform that brings together funders and fund seekers, for individuals or businesses It can be said that peer to peer lending is a marketplace that brings together borrowers and lenders peer to peer lending comes because it is needed, especially for SMEs according to the Indonesian fintech association there are very many SMEs that have not been bankable in Indonesia they are not interested in banks, generally because business capital loans from banks require collateral peer to peer lending is very interesting, but in the matter of borrowing and borrowing, of course don’t just be interested in its ease also pay attention to our ability in terms of loan repayments and financial risks that must be met when financial conditions are stuck examples of peer to peer lending startups are: uangteman, temanusaha, koinworks, danadidik, kredivo, investree and so on then, for those who want to make loans or borrow through sharia-based peer to peer, you can learn:
 alamisharia.co.id, danasyariah.id, ammana.id 3. e money e-money is electronic money, a technology based on chips planted on cards, physically like an atm card the difference is, this card contains our savings, with a maximum balance of around Rp. 1 million or depending on current government policy used to pay for something that requires e money e money became famous, since the government encouraged electronic money payments, such as for toll entry, train tickets, state-owned tourist attractions and so on somewhat different from other fintech characters, fintech e money is actually spent more by banks the example of e-money currently circulating is flazz bca, e-money Mandiri, brizzi bri, tap cash bni, blink btn, mega cash, nobu e-money, jakcard bank dki, etc. for sharia-based e money, I have not found the e money platform information that is officially recognized by the authorized institution as sharia e money but if you want to learn it, as information, independent Islamic banks have issued e money cards 4. e wallet Actually e-wallet is also electronic money, like e money the difference is, e wallet does not have a physical form in the form of a card like e money because e wallet is a server based platform in the form of an application or website that contains a number of our deposits with a maximum balance of around Rp. 10 million or depending on government policy used to pay for something that has received payment via e wallet e-wallet usage is currently more for online shopping, shopping at offline retail outlets, purchasing telephone credit, electricity tokens, bpjs bills, paid tv bills and so on Examples of e-wallets currently available are t-cash telkomsel, xl tunai, rekening ponsel cimb niaga, bbm money permata bank, doku, go pay and so on for a sharia-based e wallet, you can learn it One of them, fintech Paytren owned by Ustadz Yusuf Mansur reportedly, Paytren owned by cleric Yusuf Mansur has pocketed a sharia certificate from MUI Bukalapak has also collaborated with independent Islamic banks to answer sharia payment needs Bank Muamalat has also issued a sharia e wallet regarding the matter of Islamic fintech or not, of course I do not have the authority to discuss it more deeply Muslim friends should consult with very well-versed parties about sharia economic issues Trending Bisnis, as a channel of information about online business, of course, feel concerned to share information about the world of fintech, because it deals with the discussion of the main Trending Bisnis, namely online business but we also have to remind, the extraordinary rapid development of the non-bank financial sector, not offset by the speed of government regulation so that many finteches are already circulating before obtaining authorization from the OJK various media said that there were many fake finteches from China, of course we must be vigilant before being interested in fintech in the field of investment or loans, pay attention to the OJK certification in the fintech as well as for Fintech which offers a sharia platform, of course they should also have received sharia certification from the MUI there are still many other fintech services, such as financial aggregators, insurance, risk & invest management and so on but in this video, I chose only the general fintech we discussed earlier Don’t forget to keep an eye on the Trending Bisnis Channel by subscribing to always be up-to-date because only online literacy businesses survive in the digital era. Thank you

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