SINERGI LEMBAGA TEKNOLOGI FINANSIAL DAN KOPERASIDALAM PEMANFAATAN TEKNOLOGI FINANSIAL OLEH USAHA MIKRO, KECIL, DAN MENENGAH DI NTB

Abstract

The problems of financial, human resources, and technology are the classic problems faced by Micro, Small and Medium Enterprises (MSMEs) in Indonesia. Technological development in the financial sector has developed in recent years and affected to change people’s behavior in financial transactions. This can be a solution to the financial problems faced by MSMEs. The limited ability and knowledge possessed by SMEs were recognized by Financial Technology (Fintech) institutions and they tried to synergize with the cooperatives to overcome these problems. This study aims to find out the synergy carried out by Fintech institutions with the cooperatives, and their impact on MSMEs, cooperatives and Fintech institutions, especially in West Nusa Tenggara (NTB). This study used a qualitative analysis and quantitative descriptive. The results show that there are two cooperatives in NTB that synergized with Fintech institutions namely Koperasi Mitra Dhuafa (Komida) with Fintech Mekar, and Koperasi Tani (Koptan) Wira Singe with Fintech Mandiri e-cash. Fintech Mekar provides applications as a medium for meeting investors and borrowers. Komida facilitated its members to obtain a loan funded by Fintech Mekar, while Fintech Mandiri e-cash, a Fintech payment similar to cellphone accounts, cooperating with Koptan Wira Singe helped Bank Mandiri to educate and facilitate its members to be able to access Mandiri e-cash. From this collaboration, both Fintech, cooperative and member institutions have a positive impact in the form of returns, increased number of customers, capital assistance, increased sales and profit transactions, increased number of business relations, and financial literacy.