{"id":236611,"date":"2019-02-11T09:41:17","date_gmt":"2019-02-11T02:41:17","guid":{"rendered":"https:\/\/www.quipper.com\/id\/blog\/?p=236611"},"modified":"2019-02-11T09:41:17","modified_gmt":"2019-02-11T02:41:17","slug":"3-jenis-fintech-di-indonesia","status":"publish","type":"post","link":"https:\/\/quipperhome.wpcomstaging.com\/quipper-campus\/campus-life\/3-jenis-fintech-di-indonesia\/","title":{"rendered":"Ada 3 Jenis Fintech di Indonesia, Pelajari Perbedaannya Disini!"},"content":{"rendered":"

\"3<\/p>\n

Semakin hari, kemajuan teknologi mengalami perkembangan yang signifikan di berbagai kalangan masyarakat, seolah-olah peran teknologi telah mewarnai kehidupan kita sehari-hari. Kamu setuju <\/span>nggak<\/span><\/em>, Quipperian? Kalau kamu sendiri, seberapa besar<\/span> sih<\/span><\/em> peran teknologi dalam melengkapi kehidupanmu?<\/span><\/p>\n

Di era revolusi industri 4.0 seperti saat ini, pemakaian produk teknologi memang memiliki peran penting dalam berbagai bidang. Sebagai contoh, di bidang pendidikan. Kamu pasti <\/span>nggak <\/span><\/em>asing dengan sistem <\/span>e-learning<\/span><\/em> yang dapat diakses melalui sebuah aplikasi. <\/span><\/p>\n

Selain itu, ada juga <\/span>platform<\/span><\/em> berisi buku atau materi pembelajaran seperti <\/span>e-book<\/span><\/em>. Peran teknologi seperti ini tentu memberikan banyak<\/span> banget<\/span><\/em> manfaat untuk para peserta didik ya, Quipperian!<\/span><\/p>\n

Di samping itu, ada juga <\/span>nih<\/span><\/em> sebuah inovasi teknologi di bidang keuangan. Selama ini, kita mengetahui beberapa jenis lembaga keuangan konvensional seperti: bank, pegadaian, asuransi, dan juga koperasi. Nah<\/span>,<\/span><\/em> dengan kemajuan teknologi yang begitu pesat seperti sekarang, ada berbagai jasa keuangan berbentuk aplikasi, <\/span>lho<\/span><\/em>!<\/span><\/p>\n

Aplikasi yang menyediakan berbagai jenis jasa keuangan disebut dengan istilah <\/span>financial technology<\/span><\/em>. Tentu, latar belakang munculnya <\/span>fintech<\/span><\/em> ini disebabkan oleh adanya inovasi teknologi informasi. <\/span>By the way<\/span><\/em>, apa <\/span>aja ya guys,<\/span><\/em> jenis dan juga peran <\/span>financial technology<\/span><\/em>? setidaknya ada 3 jenis fintech<\/em> di Indonesia. Berikut sontekannya!<\/span><\/p>\n

3 Jenis Fintech di Indonesia<\/strong><\/span><\/h2>\n

1. Risk and Investment Management<\/strong><\/h3>\n

F<\/span>intech <\/span><\/em>ini mempunyai peran seperti <\/span>financial planner<\/span><\/em> digital. Pengguna akan dibantu untuk mendapatkan produk investasi yang paling cocok dengan preferensi yang diberikan.<\/span><\/p>\n

2. Market Aggregator<\/strong><\/h3>\n

Ini merupakan pembanding produk keuangan, di mana <\/span>fintech<\/span><\/em> tersebut akan mengumpulkan dan mengoleksi data finansial untuk dijadikan referensi oleh pengguna jasa.<\/span><\/p>\n

3. Peer-to-Peer Lending<\/strong><\/h3>\n

Ini dia klasifikasi <\/span>fintech<\/span><\/em> yang paling terkenal di kalangan masyarakat, Quipperian! <\/span>Yup<\/span><\/em>, jenis <\/span>fintech<\/span><\/em> dalam konsep <\/span>Peer-to-Peer Lending <\/em><\/strong>berguna sebagai mediasi yang menemukan investor dengan pencari modal. <\/span>P2P Lending<\/span><\/em> merupakan sebuah layanan yang membantu masyarakat yang mengembangkan usaha mikro dan menengah, sehingga dapat meminjam dana dengan mudah.<\/span><\/p>\n

Salah satu platform P2P Lending yang wajib kamu tahu adalah <\/span>KoinWorks<\/strong><\/a>. KoinWorks menjadi platform investasi yang banyak diandalkan para pemula dalam memulai investasi pertamanya. Yuk, kenalan lebih jauh dengan KoinWorks!<\/span><\/p>\n

KoinWorks Tawarkan Kemudahan dan Bunga Rendah<\/strong><\/p>\n

KoinWorks<\/strong><\/a> merupakan platform investasi P2P Lending berbasis <\/span>online<\/span><\/em>, yang mempertemukan antara Pendana dan Peminjam. Kalau kamu menjadi Peminjam, kamu bisa menggunakan dana tersebut untuk membiayai bisnis, kesehatan, hingga <\/span>pendidikan<\/strong><\/a>, lho<\/span><\/em>! Salah satu manfaat bagi kamu yang ingin melakukan pinjaman adalah suku bunga yang relatif rendah, <\/span>guys<\/span><\/em>!<\/span><\/p>\n

Di samping itu, kamu juga bisa menjadi Pendana atau Investor dan meminjamkan dana kamu kepada orang lain. Hanya mulai dari Rp100.000 saja, kamu sudah bisa menikmati bunga keuntungan mulai dari 21,32% per tahun! Cocok banget nih, untuk kamu yang memiliki dana lebih, tetapi tidak tahu harus mengalokasikannya ke mana. <\/span><\/p>\n

Kerennya lagi, kamu bisa mendiversifikasikan investasi kamu demi meraup keuntungan yang lebih besar <\/span>nih, guys<\/span><\/em>! Untuk menjaga kerahasiaan data keuangan kamu, <\/span>fintech<\/span><\/em> ini pun telah terdaftar dan diawasi oleh Otoritas Jasa Keuangan sesuai dengan Peraturan OJK nomor 77\/POJK.01\/2016, <\/span>lho<\/span><\/em>! <\/span>So<\/span><\/em>, kamu <\/span>nggak<\/span><\/em> perlu khawatir dalam melakukan pinjaman ataupun berinvestasi di <\/span>KoinWorks<\/strong>, <\/span>ya<\/span><\/em>!<\/span><\/p>\n

Wahhh\u2026 nyatanya banyak <\/span>banget lho<\/span><\/em>, manfaat yang didapat dengan adanya <\/span>financial technology<\/span><\/em> ini! Masalah keterbatasan biaya pendidikan juga bisa diatasi dengan keberadaan aplikasi ini. Kamu yang terkendala akan kurangnya biaya untuk melanjutkan kuliah dapat memanfaatkan aplikasi ini untuk memperoleh kredit pendidikan. <\/span>Simple banget kan<\/span><\/em>, Quipperian!<\/span><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Semakin hari, kemajuan teknologi mengalami perkembangan yang signifikan di berbagai kalangan masyarakat, seolah-olah peran teknologi telah mewarnai kehidupan kita sehari-hari. Kamu setuju nggak, Quipperian?…<\/p>\n","protected":false},"author":156451313,"featured_media":236631,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_crdt_document":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[26029,679384864],"tags":[],"ppma_author":[679386820],"class_list":["post-236611","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-campus-life","category-quipper-campus"],"acf":[],"yoast_head":"\nAda 3 Jenis Fintech di Indonesia, Pelajari Perbedaannya Disini!<\/title>\n<meta name=\"description\" content=\"Aplikasi yang menyediakan berbagai jenis jasa keuangan disebut dengan istilah financial technology. 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