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Roles and Sustainability of Islamic Fintech Lending: Case of Indonesia
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Author(s): Egi Arvian Firmansyah (Universitas Padjadjaran, Indonesia & Universiti Brunei Darussalam, Brunei), Masairol Masri (Universiti Brunei Darussalam, Brunei), Muhammad Anshari (Universiti Brunei Darussalam, Brunei)and Mohd Hairul Azrin Besar (Universiti Brunei Darussalam, Brunei)
Copyright: 2026
Pages: 18
Source title:
Promoting Inclusivity and Accessibility With FinTech
Source Author(s)/Editor(s): Masairol Masri (Universiti Brunei Darussalam, Brunei), Muhammad Azmi Sait (Universiti Brunei Darussalam, Brunei)and Muhammad Anshari (Universiti Brunei Darussalam, Brunei)
DOI: 10.4018/979-8-3373-1112-8.ch015
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Abstract
Islamic financial technology (fintech) is emerging, along with the increasing adoption of digital technology and mobile phone usage. One business model of Islamic fintech gaining traction, primarily in Indonesia, is Islamic peer-to-peer (P2P) lending or Islamic fintech lending. As it is in the development stage, studies focusing on this niche topic are limited. To address this gap, this study conceptualizes the strategic roles of Islamic fintech lending firms in society and evaluates their financial performances to assess their sustainability. A mixed method of qualitative and quantitative approaches is employed in this study. This study' results propose a framework consisting of four distinct roles of Islamic fintech lending platforms. Besides, the financial analysis shows that most firms were in alerting condition, illustrating the uncertain sustainability of Islamic fintech lending firms. This chapter provides an early warning for the managers of these firms and policymakers to keep supporting this emerging sector.
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