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Dokumen ini membahas regulasi dan pengawasan penggunaan layanan pinjaman dan peminjaman berbasis teknologi informasi serta perlindungan hukum bagi perusahaan dan pengguna Fintech Indonesia. Diperlukan keseimbangan antara inovasi, stab
Product ekonomi merupakan penyederhanaan realitas ekonomi yang menggunakan tabel, grafik, fungsi, atau skema untuk mewakili teori secara formal serta mudah dipahami semua orang, dengan asumsi faktor lain tetap. Contohnya adalah product konsumsi yang menggunakan fungsi C = a + bY.
Dokumen tersebut membahas tentang tipologi lembaga keuangan mikro, yang dibedakan menjadi formal, semiformal, dan informal. Setiap jenis lembaga memiliki kekuatan dan tantangan tersendiri dalam menyediakan layanan keuangan bagi masyarakat miskin.
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FinTech adalah perusahaan yang menggabungkan layanan jasa keuangan dengan teknologi untuk meningkatkan inklusi keuangan dan memudahkan transaksi jual beli secara lebih efisien. FinTech hadir untuk memenuhi kebutuhan masyarakat akan akses keuangan dengan cara meminjam uang secara lebih mudah.
Makalah ini menjelaskan sejarah pemikiran, konsep, kelebihan dan kekurangan dari kedua sistem ekonomi tersebut beserta penjelasan mengapa keduanya masih berkembang hingga saat ini.
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FinTech muncul pertama kali pada tahun 2004 dan mengadopsi konsep jaringan seperti peer-to-peer untuk menciptakan design keuangan baru dengan bantuan teknologi.
Perbankan syariah di Indonesia yang masih rendah tingkat literasi dan inklusinya harus segera terjun ke ranah teknlogi informasi sboslot99 dengan menerbitkan layanan fintech, agar pasar generasi milenial dapat terjaring dan menjadi nasabah baru.