Pengembangan Strategis Koperasi Syariah Berbasis Teknologi Financial Dengan Pendekatan Intepretatif Structural Modelling

Abstract

This paper although it grows rapidly, but the Sharia cooperative is still multi main to its control, Both from the internal side, external or regulatory but the chances of this digitization era give way to its development one in the Financial Technology (Fin tech). The research is trying to identify factors of necessity, activities and objectives in the development of Sharia cooperative in Indonesia debases fin tech with the Interpretative Structural Modeling (ISM) method. The results of the research give some conclusion that the element which is the main key in Sharia cooperative development strategy in Indonesia to improve UMKM is the main key in this research is the need for socialization and promotion Fin tech-based Sharia cooperatives are still the main key to the most influential development strategies for fin tech-based sharia cooperative in Indonesia. It is acknowledged that the socialization and promotion of sharia-based Sharia cooperatives is still very little also considering the large cost of promotion and lack of socialization still there are some disadvantages when there is already socialization but the community is GAPTEK.(Technology Failure) But in fact the problem of weak promos and socialization of sharia cooperatives can be solved by  the holding of clear laws, Internet network, providing professional Insane Resources through training and most importantly is Cooperation Fin tech Sharia and Department of Cooperatives and UMKM are still on conventional fin tech such as the Telkom's Finnet and also have to cooperate with the purely sharia fintech such as Fintech Ammana, Modalku, Investree already in legalization Sharia compliant OJK.

Keywords: Islamic Cooperatives; Financial Technology  and Interpretative Structural Modelling (ISM).