Fintech Syariah Terhambat Syarat Modal Minimum

IAEI, JAKARTA -- Sulitnya mencari modal minimum sebesar Rp 2,5 miliar membuat startup teknologi finansial (fintech) skema syariah sulit tumbuh. Pembina Asosiasi Fintech Syariah Murniati Muhklisin mengungkapkan, saat ini ada sekitar 30 startup fintech syariah yang tengah berusaha mengumpulkan modal demi syarat modal minimum dari Otoritas Jasa Keuangan (OJK).

"Sudah ada beberapa (fintech syariah) diajukan ke OJK. Tapi masih sedikit sekali, karena harus punya modal Rp 2,5 miliar kalau mau terdaftar. Jadi sulit bagi anak muda pendiri startup fintech syariah untuk mendapatkan persetujuan OJK," ujar Murniati dia seperti dilansir laman republika.co.id, Rabu (14/11).

Saat ini terdapat sekitar 40 fintech syariah yang berada di naungan Asosiasi Fintech Syariah. Dari jumlah tersebut, sebagian besar merupakan startup fintech dengan skema peer to peer lending, sedangkan sisanya terdapat crowdfunding, market agregator, dan e-payment.

Perjalanan fintech syariah memang masih panjang. Setelah terdaftar di OJK, perusahaan fintech syariah harus mengajukan label syariah ke Dewan Syariah Nasional Majelis Ulama Indonesia (DSN MUI). DSN akan mempelajari alur bisnis fintech syariah tersebut, menunjuk Dewan Pengawas Syariah (DPS), lalu setelah semua syarat telah dipenuhi, DSN akan memberikan label syariah.

Meskipun bagi startup syarat minimum permodalan cukup berat, menurut Murniati hal tersebut memang sangat diperlukan. Aturan tersebut diperlukan untuk menilai apakah perusahaan tersebut reliable atau bertanggung jawab mengembalikan dana masyarakat yang disalurkan.

"Karena membuat crowdfunding di Indonesia itu mudah. Ada satu startup kumpulin crowdfunding Rp 1 miliar dalam waktu beberapa bulan saja. Tapi apakah dia betul-betul reliable untuk mengembalikannya kalau ada apa-apa, itu satu hal lain. Makanya OJK tidak main-main," jelas Murniati.

Meskipun begitu, ia berharap startup yang sudah mengajukan berbagai syarat ke OJK, dapat segera diberi label terdaftar oleh OJK. Karena ini menurut Murniati merupakan jalan untuk melindungi customer dari keganasan fintech seperti yang terjadi akhir- akhir ini. Banyak para nasabah fintech yang mengeluhkan penagih utang yang kasar.

Sementara itu fintech syariah menekankan konsep kemitraan, untuk mendorong pertumbuhan bisnis usaha mikro, kecil dan menengah (UMKM). "Itu karena tidak didukung sistem yang cukup, jadi bumerang bagi peminjam, jadinya terlalu banyak utang dan turunlah para penagih utang. Kalau di syariah, tentu saja banyak lapisan-lapisannya, dan diharapkan fintech syariah ini jadi lebih bisa proteksi customer," katanya

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