Social Security Equitycrowfunding as Funding Optimization for Micro and Winning Small Enterprises (MSMEs)

Although it acts as one of the supporters of the national economy, the existence of MSMEs cannot be separated from funding problems. The low ability to access capital from banks makes MSMEs often entangled in the debt system that harms MSMEs. This study aims to develop a capital fertilization approach together with the concept of family (social security crowdfunding) for MSMEs. This research uses a development approach (Research and Development) which consists of 3 (three) stages, namely the preliminary study stage, the model preparation stage and the expert validation stage. The results of the study explained that currently there has been a development of a financial technology-based funding model with the concept of security crowfunding. Although the existence and function of security crowfunding is beneficial for the development of MSMEs. However, the concept of security crowfunding in its journey has become a practice of capitalism in MSMEs. The concept of social security equitycrowfunding was developed with a plasma core-based partnership model in providing funding by investors to MSMEs. This concept not only places MSMEs as an investment locomotive for investors to generate profits, but also provides an opportunity for MSMEs to exploit their resources with a profit-sharing pattern.