Evaluating Risk Management in Sharia Fintech Peer-to-Peer Lending: A Comprehensive Analysis of Credit, Liquidity, Operational, and Sharia Risk

Bagus Hari Nugroho; Windy Esti Andari; Hilda Pradina Faradiba

doi:10.61132/digitalinnovation.v1i2.7

Authors

Bagus Hari Nugroho
Windy Esti Andari
Hilda Pradina Faradiba

DOI:

https://doi.org/10.61132/digitalinnovation.v1i2.7

Keywords:

Risk management, Sharia Fintech, Peer-to-Peer lending, Credit risk.

Abstract

This research focuses on evaluating risk management practices in financing through Sharia Fintech Peer-to-Peer (P2P) lending platforms. P2P lending represents a significant innovation in the financial sector, enabling direct interactions between borrowers and fund providers via digital platforms. In the context of Sharia finance, effective risk management is crucial to ensure compliance with Sharia principles. This study utilizes qualitative and quantitative analysis methods to identify and evaluate various aspects of risk management, including credit risk, liquidity risk, operational risk, and Sharia risk, associated with financing through Sharia P2P lending platforms. The goal is to provide a comprehensive understanding of the effectiveness of risk management strategies in this context.

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