Fintek Syariah Harus Sasar Sektor Riil

IAEI, JAKARTA -- Finansial Teknologi (fintek) skema syariah iproyeksikan terus berkaitan langsung dengan sektor riil. Pengamat ekonomi syariah, Yusuf Wibisono, mengatakan fintek syariah ini pada dasarnya memang untuk memajukan sektor riil. "Fintek syariah itu berkahnya karena menyentuh sektor riil, tidak hanya berorientasi pada profit," kata Yusuf, Ahad (6/1).

Skema syariah mengharuskan model bisnis fintek menjadi jembatan antara yang kelebihan dengan yang kekurangan. Yusuf memprediksi sebagian besar tren masih akan menyasar pembiayaan atau peer to peer lending dengan beragam sektor usaha.

Fintek syariah harus benar-benar berbeda dengan konvensional yang mementingkan keuntungan. Yusuf mencontohkan tipe peer to peer lending konvensional dengan bunga memberatkan. Ini jangan sampai terjadi pada fintek syariah.

"Regulasi terkait pricing ini seharusnya jadi perhatian, minimal ada acuan harga yang ditetapkan regulator, jangan sampai terlalu tinggi atau terlalu rendah," kata Yusuf.

Hingga saat ini, dua fintek syariah telah terdaftar di Otoritas Jasa Keuangan (OJK) dengan lini bisnis peer to peer lending. Ke depannya, Yusuf berharap fintek syariah menjadi wadah yang sempurna untuk akad mudharabah. Teknologi, kata dia, mempertemukan antara pemilik modal dan penerima modal.

Peer to peer lending, tambahnya, ideal menggunakan akad mudharabah. Fintek syariah memiliki kesempatan untuk mewujudkan mudharabah tersebut karena banyak pengusaha potensial yang sulit terjamah oleh perbankan.

Meski memang tidak mudah namun Yusuf menilai tahun ini adalah waktunya membesarkan fintek syariah. Jika fintek syariah bisa menjaring sebanyak-sebanyaknya pembiayaan pada sektor riil, maka efek domino akan terasa, mulai dari pengentasan kemiskinan, inklusi syariah, hingga kemajuan ekonomi.

( Sumber: https://www.iaei-pusat.org/news/umum/fintek-syariah-harus-sasar-sektor-riil?language=id )

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