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All Journal Jurnal Ilmiah Manajemen Kesatuan Research Horizon
Asep Mulyana
Universitas Padjadjaran, Indonesia
Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice 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.
Sustaining Productive Asset-Based Community Empowerment: Supporting and Inhibiting Factor of the Sedekah Cerdas Program in Indonesia Anton Dwi Cahyono; Asep Mulyana; Sutisna Sutisna
Research Horizon Vol. 6 No. 4 (2026): Research Horizon - Agustus 2026
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.6.4.2026.1463

Abstract

Community empowerment programs based on productive assets have gained attention as an alternative approach to achieving sustainable economic development. However, the sustainability of such programs remains challenging because it depends not only on asset provision but also on institutional, social, and governance mechanisms. This study aims to analyze the supporting and inhibiting factors affecting the sustainability of the Sedekah Cerdas Program, a productive asset-based community empowerment initiative implemented through a revolving goat asset mechanism. This study employed a qualitative case study approach. Data were collected through in-depth interviews, observations, and documentation involving 10 informants consisting of program managers, donors, beneficiaries, village government representatives, and community leaders. Data were analyzed using triangulation, technical triangulation, and member checking. The findings reveal that program sustainability is supported by institutional capacity, social capital, donor and community participation, program governance, and productive asset management. Meanwhile, sustainability challenges include changes in institutional priorities, limited human resources, reduced monitoring intensity, the COVID-19 pandemic, and livestock management risks. This study concludes that sustainable productive asset-based empowerment requires integrated institutional, social, and managerial systems to maintain long-term community benefits.
Co-Authors Anton Dwi Cahyono Eva Septriani Sianipar Mokhamad Anwar Sutisna Sutisna