ABSTRAKSebagai koperasi yang beroperasi skala lokal dan mikro, kehadiran finansial teknologi pinjaman online yang memberikan kemudahan dalam mengaksesnya, hanya cukup foto KTP dan smartphone disinyalir mempengaruhi kualitas usaha pembiayaan di Koperasi Syariah BMT Investa Mubarokah. Sebagian anggota eksisting diketahui menggunakan fasilitas pinjaman online untuk memenuhi kebutuhannya. Penelitian ini menggunakan pendekatan kualitatif berdasarkan literatur studi dan obervasi in depth interview. Berdasarkan hasil penelitian menunjukan bahwa perkembangan usaha koperasi syariah BMT investa Mubarokah dalam penyediaan dana kepada anggota menurun yang disebabkan salah satunya kemudahan dalam  akses pinjaman online.ABSTRACTAs a cooperative that operates on a local and micro scale, the financial presence of online loan technology that provides convenience in accessing it, only photos of ID cards and smartphones are allegedly affecting the quality of financing businesses. at the BMT Investa Mubarokah Sharia Cooperative. Some existing members are known to use online loan facilities to meet their needs. This study uses a qualitative approach based on the study literature and observations in-depth interviews. Based on the results of the study, showed that the development of the BMT Mubarokah investment sharia cooperative business in providing funds to members decreased due to one of the reasons for the ease of accessing online loans