SINERGI LEMBAGA TEKNOLOGI FINANSIAL DAN KOPERASI DALAM PEMANFAATAN TEKNOLOGI FINANSIAL OLEH USAHA MIKRO, KECIL, DAN MENENGAH DI NTB
Abstract
Permasalahan keuangan, sumberdaya manusia, dan teknologi merupakan permasalahan klasik yang dihadapi Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia. Perkembangan teknologi di bidang keuangan telah berkembang dalam beberapa tahun terakhir ini dan berdampak perubahan perilaku masyarakat dalam bertransaksi keuangan. Hal ini dapat menjadi solusi bagi permasalahan keuangan yang dihadapi UMKM. Keterbatasan kemampuan dan pengetahuan yang dimiliki pelaku UMKM ternyata disadari oleh lembaga Teknologi Finansial (Tekfin), sehingga lembaga Tekfin mencoba untuk bersinergi Koperasi untuk mengatasi hal tersebut. Penelitian ini bertujuan untuk mengetahui sinergi yang dilakukan oleh lembaga Tekfin dengan Koperasi, serta dampaknya bagi pelaku UMKM, Koperasi, dan lembaga Tekfin, khususnya di NTB. Penelitian ini menggunakan analisis kualitatif dan deskriptif kuantitatif. Dari hasil analisis diketahui bahwa terdapat dua Koperasi di NTB yang bersinergi dengan lembaga Tekfin yaitu Koperasi Mitra Dhuafa (Komida) dengan Tekfin Pembiayaan Mekar, dan Koperasi Tani (Koptan) Wira Singe dengan Tekfin Pembayaran Mandiri e-cash. Tekfin Mekar menyediakan aplikasi sebagai media bertemunya investor dan peminjam. Dimana Komida yang memfasilitasi anggotanya untuk memperoleh pinjaman yang didanai oleh Tekfin Mekar. Sedangkan Tekfin Mandiri e-cash merupakan Tekfin pembayaran yang serupa dengan rekening ponsel, dan Koptan Wira Singe membantu Bank Mandiri untuk mengedukasi dan memfasilitasi para anggotanya agar dapat mengakses Mandiri e-cash. Dari kerja sama yang dilakukan ini, baik lembaga Tekfin, Koperasi, maupun anggota memperoleh dampak positif berupa imbal hasil, bertambahnya jumlah nasabah, bantuan permodalan, peningkatan transaksi penjualan dan keuntungan, bertambahnya jumlah relasi usaha, serta memperoleh literasi keuangan.
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