Analisis Pembiayaan Modal Kerja Syariah dalam Mendukung Strategi Pengembangan Usaha oleh Bank Syariah Indonesia

Mirnawati Mirnawati (Institute Agama Islam Negeri)
Ismail Keri (Institute Agama Islam Negeri)
Shadriyah Shadriyah (Institute Agama Islam Negeri)

Akuntansi'45
Vol. 6 No. 2 (2025): Jurnal Ilmiah Akuntansi

This study aims to analyze the role of sharia-based working capital financing in supporting business development strategies at Bank Syariah Indonesia KCP Watampone. The research method used in this study is quantitative with a survey approach. Data were collected through questionnaires distributed to customers who received sharia-based working capital financing. Data analysis was conducted using descriptive and inferential statistical techniques to test the proposed hypotheses. The results of the study indicate a positive and significant influence between sharia-based working capital financing on business development, where customers who utilize this financing experience increased productivity and business growth. These findings indicate that sharia-based working capital financing can be an effective tool in supporting business development strategies. This research is expected to provide insights for banks in formulating better policies related to sharia-based financing products