CROWDFUNDING MODEL IN INDONESIA BASED ON PROFIT SHARING PRINCIPLE WITH BLUE OCEAN STRATEGY
DOI:
https://doi.org/10.35794/jmbi.v12i1.59819Abstrak
Urgensi Penelitian ini adalah banyak Pelaku UKM di Indonesia yang menghadapi kendala terbatasnya akses terhadap modal dan menunjukkan sebuah pemecahan masalah guna mengatasi masalah sumber pendanaan guna membiayai UKM dengan mengajukan model pembiayaan melalui mekanisme crowdsourcing atau crowdfunding. Model crowdfunding pada penelitian ini adalah lending (peer-to-peer) dengan menggunakan prinsip bagi hasil seperti akan mudharabah yang belum banyak diteliti.
Tujuan tahun pertama Penelitian ini adalah menganalisis apakah peningkatan inklusi keuangan UKM melalui crowdfunding berbasis prinsip bagi hasil merupakan model yang tepat dalam peningkatan aspek keuangan UKM di Indonesia. Tujuan Tahun ke dua adalah:melalui pendekatan ERRC (Blue Ocean Strategy) Manakah faktor-faktor yang harus di eliminasi (Eliminate), dikurangi (Reduce), ditingkatkan (Raise) dan diciptakan (Create) (ERRC) Tujuan penelitian di tahun ketiga adalah Analisis model peningkatan inklusi keuangan UKM melalui crowdfunding berbasis prinsip bagi hasil dengan pendekatan Kanvas Model Bisnis
Hasil penelitian ini adalah Berdasarkan analisis IFAS dan EFAS menunjukkan perlunya pengembangan pada tingkat internal untuk perbaikan crowdfunding, dibandingkan dengan faktor eksternal nya. Dengan demikian stake holder internal misalnya pemerintah daerah, pengelola menjadi aktor penting bagi proses penguatan crowdfunding bagi hasil.
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