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All Journal Jurnal Teknologi Dan Industri Pangan Jurnal Teknologi Industri Pertanian E-jurnal Agro-Industri Indonesia Jurnal Manajemen dan Organisasi MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Jurnal Manajemen dan Agribisnis Journal of Tropical Life Science : International Journal of Theoretical, Experimental, and Applied Life Sciences J@TI (TEKNIK INDUSTRI) Teknotan: Jurnal Industri Teknologi Pertanian Jurnal Manajemen Teknologi Jurnal Sains Materi Indonesia Agrointek Jurnal Teknologi Pertanian Journal Industrial Servicess Agrokreatif Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Agro Industri Perkebunan Journal of Tropical AgriFood Journal of Applied Engineering and Technological Science (JAETS) SEAS (Sustainable Environment Agricultural Science) Jurnal Sains Terapan : Wahana Informasi dan Alih Teknologi Pertanian Jurnal Pusat Inovasi Masyarakat JURNAL TEKNIK INDUSTRI KEYNESIA : INTERNATIONAL JOURNAL OF ECONOMY AND BUSINESS Amkop Management Accounting Review (AMAR) International Journal of Economics, Accounting, and Management
Sapta Raharja
Departemen Teknologi Industri Pertanian, Fakultas Teknologi Pertanian, Institut Pertanian Bogor, Bogor
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Strategies for Upgrading MSMEs Through the Optimization of KUR Financing Utilization at Bank Syariah Indonesia in the Bogor Area Sari, Anum Syantining; Hardjomidjojo, Hartrisari; Raharja, Sapta
Amkop Management Accounting Review (AMAR) Vol. 6 No. 1 (2026): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v6i1.3502

Abstract

One of the fundamental problems faced by MSMEs is limited capital. Although MSMEs may have received financing, many still encounter obstacles in elevating their business category. Among these factors are financial literacy and financial inclusion. Therefore, in this study, the data were collected through questionnaires and interviews with 113 MSMEs that have received KUR financing from BSI in the Bogor Area, using purposive sampling. The analytical methods used in this study include both qualitative and quantitative descriptive analysis. This includes classical assumption tests, regression model estimation, and hypothesis testing (t-test). Strategy development uses the Internal Factor Evaluation (IFE) and External Factor Evaluation (EFE) matrices, SWOT analysis and QSPM. The QSPM analysis identifies three top-priority strategies that most significantly support MSMEs in upgrading their business class after receiving KUR financing from BSI in the Bogor Area: (1) enhancing financial inclusion by providing easier access to banking services, both savings and financing. (2) improving the reputation and role of KUR in assisting unbankable MSMEs to become bankable and move up in business class. (3) increasing financial literacy among customers to encourage the use of BSI bank accounts for transactions, including digital transactions.
Co-Authors - Suryahadi Achmad Mujib Afifah Nur Arfiana Ahmad Sulaeman Aida Vitayala S Hubeis Aji Hermawan Aldrich Ilyas Aminah, Mimin Amira Amandanisa Amiruddin Saleh Amril Rahman Anas Miftah Fauzi Andi Asrianto Iskandar Ani Suryani Arahmah, Melina Arifin Derajat Suryana Aris Munandar Aris Munandar Bambang Hero Saharjo Budi Suharjo Chelvi Agnariosa Danang Aria Nugroho Darwin Kadarisman Dewi Auditiya Marizka Dewi Diniaty Dewi, Kiki Mariya Dian Puspitasari Dina Yuliasty Lamefa Dinda Nadhifah Aprillia Djumali Mangunwidjaja Dwi Setyaningsih Enrico Annas Erliza Hambali Erliza Noor Fakhrurrazi, Fakhrurrazi Faqih Udin Faqih Udin Fiora Helmi Firda Dimawarnita Fitriani Kasim Fitry Filianty Fransiska R Zakaria Hanafi, Imron Hartrisari Hardjomidjojo Hidayat, Adhi Nur Illah Sailah Imron, Tubagus Indah Yuliasih Intan Zania Khaswar Syamsu Khumaeroh, Siti Kiki Yulianto Komar Sumantadinata Luluk Sulistiyo Budi M. Syamsul Maarif M. Syamsul Ma’arif Ma'mun Sarma MARIA BINTANG Marimin , Ma’ruf Pambudi Nurwantara Meilan, Tria Mutiari Muhamad Sapoan Muhammad Syamsul Ma arif Muhammad Syamsun Musa Hubeis Muti'atul Chosyi'ah Nastiti Siswi Indrasti Nazli, Rizal Syarief Sjaiful Netra Mirawati Nia Ariani Putri Nike Yosephine Nunung Nurhayati Nurmiati Ono Suparno Pindo Witoko Praba Indariawati Pranata, Wahyu Suradi Purana Indrawan Purwaningrum, Cucu Rina Purwo Subekti Rahayu, Nur Fitri Rahmatun Nisful Maghfiroh Ramadhan, Muhammad Rahmad Ridloudin, Ahmad Rifqi Ahmad Riyanto Rizal Syarief Rizky Julianto Perkasa Rosniyati Suwarda Rudi Laksono S. Joni Munarso Saifullah, Rikza Sandro Aldy Sari, Anum Syantining Sayyidina Hamzah Seppa Septarianes Shanti Kirana Anggraeni Slamet Budijanto Soewarno T. Soekarto Soselisa, Jack Absalom Sri Mursidah Sudirman Sudirman Sugeng Hari Suseno Sugeng Heri Suseno Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi, Sukardi Sumiati Sumiati Sumiati Sumiati Syamsul M. Syamsuwarni Rambe Syarifah Rohana Maghfiroh Tajuddin Bantacut Teni - Oktavia Titi Candra Sunarti Tjahja Muhandri Tonni Kusuma Triwulandari S. Dewayana Triwulandari Satitidjati Dewayana Tun Tedja Irawadi Wine Widiana Yandra Arkeman Yuanto, Eka Novah Yusri, Amrizal