Peer-to-Peer Lending Syariah dan Dampaknya terhadap Kinerja serta Kesejahteraan Pelaku Usaha Mikro dan Kecil (UMK) pada Masa Pandemi Covid-19

Peer-to-Peer (P2P) lending is one of the mechanisms to overcome capital problems for MSE sector, especially during Covid-19 pandemic. P2P has highest asset growth compared other financial technology (fintech) schemes and mostly preferred by majority population. As a country with Muslim population, people prefer use sharia lending, but its role not been widely documented in literature. MSEs are business enterprises that contribute greatly national gross domestic product (GDP) absorb most labor. This study aims analyze effect on performance welfare The method analysis consists paired t-test, OLS logistic regression analysis. Paired t-test results show there differences turnover, profits, operating costs, number workers before after receiving financing. shows amount financing, labor, length affect changes turnover. average family income savings significantly actors.