@thesis{thesis,
		author={Firmansyah  Reno Triyan},
		title ={Fenomena Umkm Di Sidoarjo Yang Menggunakan Lending Fintech Technology},
		year={2020},
		url={http://eprints.perbanas.ac.id/10030/},
		abstract={This study aims to identify and analyze the contribution of fintech lending to UMKM in Sidoarjo in obtaining business capital and to identify and analyze the constraints of implementing fintech lending in increasing financial inclusion in UMKM in Sidoarjo. The population in this study ares UMKM that are members of the UMKM Association in Tropodo Sidoarjo District. The sampling technique used in this study is based on the non-probability sampling method. So that the research sample was obtained, namely UMKM that are members of the UMKM Association of Tropodo Sidoarjo District who have used fintechlending services registered with the OJK. Data analysis techniques used are interviews, data classification and drawing conclusions. Based on the results of the study, it shows that Fintech lending provides convenience to customers in the credit application process by taking photos of the customer's identity and filling in personal data through the fintech lending application. Fintech lending provides fast service to its customers from the initial credit application, the data verification process, to the disbursement of credit funds in a short time. not complicated, so the disbursement process is fast. The process of applying for credit through fintech lending The process of verifying data on fintech lending does not take too long}
		}