AISAS MODEL ON THE USE OF ISLAMIC FINTECH P2P LENDING AS ACCESS TO MSME CAPITAL IN SULAWESI

Juniaty Ismail

Abstract


The challenge of access to MSME capital triggered by the lack of financial literacy has resulted in low awareness of MSME actors towards sharia-based Peer-to-Peer (P2P) Lending. This research will see how MSME actors in Sulawesi Island respond to the use of Fintech-based sharia Peer-to-Peer (P2P) lending services with the AISAS (Attention, Interest, Search, Action and Share) model approach. This research is different from previous studies because the focus of the research is on the use of sharia-based P2P fintech by MSME players on Sulawesi Island with the AISAS model approach. This quantitative research collected data from 580 respondents to MSMEs in Sulawesi. Data is processed with Smart-PLS 3.2.9 software. The results showed that three variables, namely interest, search, and share, influenced the use of sharia P2P lending, while the other two variables, namely attention and action, did not influence the use of sharia P2P lending. This research contributes to Sharia Fintech P2P Lending service providers, as well as the provincial government that houses MSMEs in Sulawesi, to increase socialization to MSMEs regarding Sharia Fintech P2P Lending services as easier and more efficient access to capital.

Keywords


Fintech, Sharia P2P Lending, MSMEs, AISAS

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