THE OPTIMIZATION OF FINTECH UTILIZATION IN THE EFFORT TO OVERCOME NON PERFORMING FINANCING (NPF) AT ISLAMIC BANK

Pipit Putri Hariani MD, Indah Purnama Sari

Abstract


Capital in business is an important factor for the sustainability and progress of a business. A business that has sufficient funding will have an impact on the smooth running of the business. even small, medium and large entrepreneurs have certainly experienced financing difficulties. In this case, Sharia Bank provides business financing facilities in business categories that do not conflict with Islam. In financing practice, many cases of bad financing are found so that the circulation of bank funds is hampered. This research seeks to provide a solution related to this, by utilizing fintech by creating a database of similar business actors, to then help each other with the purchase of manufactured goods so that financial difficulties or a decrease in the number of sales are resolved so that the ability to pay becomes stable and financing problems are avoided.

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References


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