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All Journal AL GHAZALI: Jurnal Pendidikan dan Pemikiran Islam Journal of Society and Development
Ali, Mohamad Ali
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Religion Humanities Education Social Sciences

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ANALISIS KELAYAKAN PEMBIAYAAN TERHADAP TINGKAT PENGEMBALIAN PEMBIAYAAN USAHA KECIL PADA BANK SYARIAH INDONESIA: Analisis Kelayakan Pembiayaan terhadap Tingkat Pengembalian Pembiayaan Usaha Kecil pada Bank Syariah Indonesia Ali, Mohamad
jsd: Journal of Society and Development Vol 5 No 2 (2025)
Publisher : CV. Media Publikasi Profesional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57032/jsd.v5i2.323

Abstract

In an era of expanding financial access and increasingly competitive MSME financing, the feasibility assessment of financing has become a crucial determinant of portfolio performance in Islamic banking. This study aims to empirically analyze the effect of financing feasibility on the repayment rate of small-business financing at Bank Syariah Indonesia (BSI). A quantitative research design was employed through survey distribution to 180 MSME recipients of BSI financing, complemented by in-depth interviews with financing officers to enhance data validity. Four dimensions of feasibility were examined technical feasibility, market feasibility, financial feasibility, and financing analysis quality. The collected data were analyzed using multiple linear regression to measure the significance and contributive strength of each variable on repayment performance, indicated by installment smoothness. The results reveal that all four feasibility variables exert a positive and significant influence on repayment performance. Financial feasibility emerged as the dominant factor (β = 0.431), while the coefficient of determination (R² = 0.614) indicates that 61.4% of repayment variation is explained by the model. Additional findings highlight that digital transaction recording and continuous post-disbursement mentoring are associated with higher repayment consistency. This study affirms the urgency of strengthening feasibility assessment, improving debtor financial literacy, and integrating digital-based data analysis as strategic measures for optimizing MSME financing risk management within the Islamic banking system.
Integration of Islamic Economics with the Real Sector: A Systematic Literature Review (SLR) 2020–2025 Ali, Mohamad; Zulfiqri, Muammar
AL GHAZALI: Jurnal Pendidikan dan Pemikiran Islam Vol. 6 No. 3: Mei-Juni 2026 (In Progress Mei 2026)
Publisher : Sekolah Tinggi Agama Islam Al-Jami Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69900/ag.v6i3.592

Abstract

This study aims to analyze the factors hindering the integration of Islamic economics with the real sector and to identify mechanisms that can strengthen their linkage. The method employed is a Systematic Literature Review (SLR) following the PRISMA 2020 guidelines, analyzing 47 articles from Scopus and Web of Science-indexed international journals published between 2020 and 2025. The findings identify three main clusters of barriers: institutional barriers within Islamic financial institutions characterized by the dominance of murabahah financing at 60 percent and minimal equity-based instruments; barriers at the real sector level including low Islamic financial literacy averaging 28–34 percent and disproportionate collateral requirements; and macro-structural barriers stemming from suboptimal regulatory frameworks and persistent asymmetric information problems. The study also finds that Islamic fintech holds transformative potential yet its penetration remains below 12 percent, while productive ZISWAF instruments have been proven to increase beneficiary income by up to 47 percent but have not yet reached optimal scale. Cross-country comparative analysis reveals that successful integration is determined by an integrated enabling ecosystem encompassing regulation, institutional innovation, literacy, and digital infrastructure. This study concludes that the required solutions are multi-level and multi-stakeholder in nature, rooted in the maqashid syariah framework
Co-Authors Muammar Zulfiqri