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All Journal Jurnal Ilmiah Manajemen Kesatuan
Mokhamad Anwar
Universitas Padjadjaran, Indonesia
Economics, Econometrics & Finance Social Sciences

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5C Credit Analysis, SLIK Utilization, and ICS Readiness Determine MSME Financing Access through Credit Decision Eva Septriani Sianipar; Mokhamad Anwar; Asep Mulyana
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 3 (2026): JIMKES Edisi Mei 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i3.5188

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are key drivers of economic development but often face financing constraints due to limited collateral, weak credit histories, and information asymmetry. This study examines how 5C credit analysis, Financial Information Service System (SLIK) utilization, and Innovative Credit Scoring (ICS) readiness influence MSME credit decision-making and financing access in Rural Banks in North Sumatra, Indonesia. The study further investigates whether credit decision-making mediates the relationship between these assessment mechanisms and financing access. A quantitative survey was conducted with 290 credit decision-makers, including directors, branch managers, and credit officers. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to evaluate direct, indirect, and total effects among the constructs. The findings indicate that 5C credit analysis significantly influences credit decision-making but does not directly impact MSME financing access, with its effect fully mediated through credit decisions. In contrast, SLIK utilization and ICS readiness significantly affect both credit decision-making and financing access, with credit decisions partially mediating these relationships. Credit decision-making serves as the primary mechanism translating institutional assessment into actual financing, highlighting the importance of integrating traditional and digital credit assessment tools to support prudent and inclusive MSME financing in rural banks.
The Influence of Entrepreneurial Orientation, Governance, and Business Environment on Performance: Business Assistants as Moderator Jeffry Martin Monang; Mokhamad Anwar; Sutisna
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 4 (2026): JIMKES Edisi Juli 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i4.5568

Abstract

These cooperatives are a strategic Indonesian government initiative to strengthen the local economy. However, many still face challenges in governance, entrepreneurial capability, and adapting to a dynamic business environment. This study examines the influence of entrepreneurial orientation, cooperative governance, and the business environment on cooperative performance while investigating the moderating role of business assistants in Merah Putih Village/Subdistrict Cooperatives. This quantitative study used PLS-SEM to analyze data from 150 cooperatives using SmartPLS. The findings demonstrate that entrepreneurial orientation, cooperative governance, and the business environment each have a positive and significant effect on cooperative performance. Furthermore, business assistants significantly strengthen the relationship between entrepreneurial orientation and cooperative performance as well as the relationship between cooperative governance and cooperative performance. These findings indicate that effective mentoring enhances the capacity of cooperative managers to implement entrepreneurial practices, improve governance quality, and achieve better organizational performance. The study contributes to the cooperative management literature by extending the Resource-Based View, Social Exchange Theory, Human Capital Theory, and Contingency Theory through the integration of Business Assistants as a moderating variable. The findings also provide practical implications for policymakers in designing sustainable mentoring programs to improve cooperative performance.
Co-Authors Asep Mulyana Eva Septriani Sianipar Jeffry Martin Monang Sutisna