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Journal : Journal of Society and Development

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.
Co-Authors A.A. Ketut Agung Cahyawan W AA Sudharmawan, AA Abdul Nizar Abdul Rohman Aboubacar Barry Abror Dikna Anugrah Abror Dikna Anugrah Agung Wahyu Utomo Ahmad Muzaki Alhijri, Muhammad Rasyidil Fikri Amir Reza Kusuma Ana Retna Andhim, Muk Anugrah, Abror Dikna Ari Anshori, Ari Ari Susanto ARI SUSANTO Aris Munandar Arnawati Arnawati Arribath, Dzakiy Atiqoh, Sifa Lutfiyani Azani, Mohamad Zakki Azis Ilham Saputra Azka Musthofa Bambang Sumardjoko Bambang Sumarjoko Bayu Tiansyah Putra Bima Azisza Mahardika Chusniatun Chusniatun Chusnul Fauziah Clara Duta Wahyu Dinata Dartim Dartim Desi Amaliyah Dewi Rohmah Diana Romdhoningsih Een Nuraeni Eka Andy Ristianto Eko Nur Wahyudi Elias Ahmed Erna Widiyastuti Estetika, Rio Fadeli Fadilah Fadilah Faizal, Ihsan Farida, Gina Fiftiyansyah, Mohamad Dzikri Fricticarani, Ade Hadi, Muhammad Wafi Hilman Luthfil Halima, Raden Ayu Handito, Rama Hanifah, Rizky Hasniar Amanah Hera Damayanti Hoga Saragih Husna Nashihin Insani, Zulaiha Nurul Isa Ahlian Muttaqin Istanto Istanto Istanto Istanto Istanto Jafar Ihza Yuska Azzacky Jannah, Khonsa? Izzatul Juli Arianto Jumhana, Enjum Kamaludin, Hamzah Katla Novriyani Kautsar, Denise Khanom, Jobeda Khoiril Al Amin, Rizky Khonsa’ Izzatul Jannah Komala Sari, Putri Kusuma, Amir Reza Kusuma, Ria Nata Lail Septia Aidah Larasati, Indah Lumiati, Sri Lutfi Hafid Ramadana Lutfiah, Jihan M. Archie Hardinagoro Maghfiroh, Rofi Atina Mahardika, Bima Azisza Mahasri Shobahiya, Mahasri Maradon, Permai Dwiki Mari Wulandari Maryam Hanifah Mashudi Al furqon Maulana, Abdul Khafid Rayhan Ma’arif Jamuin Moh Zakki Azanin Moh. Danil Warisi Mohamed Iyas Valarthodi Mohammad Zakki Azani Mohammad Zakki Azani Moordiningsih Moordiningsih Mu'minah Mualim, Rojif Muchtar, Zulfa Iftinani Muh Nur Rochim Maksum Muhamad Subhi Apriantoro Muhammad Ramadhansyah Muhammad Rasyidil Fikri Alhijri Muhammad Wildan Shohib Muk Andhim Mukhlis Royyani NS Mursiti, Tutik Mustofa, Triono Ali Muthoifin Na'imah, Ridha Niyom, Wanchai Nur Ayu Safitri Nur Lynda Febriyani, Fifi Nurfitriana Nurfitriana Nurli Nurlinda Nursaidah Ahmad Nurseha, Muchlis Nurul Latifatul Inayati Nurul Latifatul Inayati Oktaviyani, Rissa Pakpahan, Akbar Waliyuddin Pathurahman, Irfan Permata Ashfi Raihana Permatasari, Eka Wahyu Dian Pratiwi, Woro Yustia Punarsih Punarsih Punarsih, Punarsih Puput Anggreani R. Bilqis Bunga Nirwana Ramadhani*, Kurnia Dwi Ramadhansyah, Muhammad Refi Mulyadi Retna, Ana Ristianto, Eka Andy Rizqianto Hermawan Rohenah Royyani NS, Mukhlis Sabar Narimo Saniati Saniati Saputra, Azis Ilham Setyarini, Tri Shohabia, Mahasri Sifa Lutfiyani Atiqoh Siti Mahfudoh Sri Lestari Sri Lestari Sri Lestari, Sri Lestari Sri Sumarti Sudarno Shobron, Sudarno Surya, Jaka Syamsudin Nawwar Hibatulloh SYAMSUL HIDAYAT Syifa' Fauziyah, Luthfi Tika Retnowati Toni Ardi Rafsanjani Tri Setyarini Tsani, Bilal Ahmad Tutik Mursiti Utomo, Agung Wahyu Wachidah, Nur Wachidi Wachidi, Wachidi Wahyono, Sigit Wanchai Niyom Widiyarto, Angga Zendi Ahmad Maghrobi