Penerapan Nilai-Nilai Pancasila dalam Financial Technology untuk Usaha Mikro Kecil dan Menengah

Rani Destia Wahyuningsih, Lustina Fajar Prastiwi

Abstract


Financial technology (fintech) allows the Indonesian people to carry out various financial transactions online. Bank Indonesia (BI) itself has regulated this online loan through Regulation Number 19/12/PBI/2017. Pancasila is the basis of the Indonesian state, so that every policy in Indonesia must be in accordance with the values contained in each of its precepts. The purpose of this paper is to examine the application of Pancasila values in fintech practice in SMEs in Indonesia. The research method applied by the author is descriptive qualitative which is described by an interactive model that is poured through a SWOT analysis with the aim of knowing the right strategy in using fintech for SMEs. As a result, the use of fintech with the right strategy is not only able to add strengths and opportunities in realizing economic development, but also able to overcome all forms of weaknesses and threats from fintech itself. Safe application of fintech can improve SMEs development strategies and stimulate Pancasila-based economic growth.

 

Keywords: Pancasila values, Financial Technology, SMEs @font-face

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References


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