The Influence of Sharia-Compliant SME Financing and Financial Literacy on Enhancing the Financial Efficacy of SME Clients at BPRS Bhakti Sumekar, Pragaan Branch

Mujibno Mujibno (Universitas Al Amien Prenduan)
Anisa Farah Ardy (Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam Universitas Al-Amien Prenduan)

Community: Jurnal Hasil Penelitian dan Pengabdian Masyarakat
Vol. 5 No. 1 (2026): Action Research and Community Development

Small and Medium Enterprises (SMEs) play a strategic role in the Indonesian economy, yet still face serious challenges in financial management and access to capital. This study aims to determine the effect of Sharia SME financing and financial literacy on improving the financial self-efficacy of SME customers at BPRS Bhakti Sumekar Pragaan Branch, both partially and simultaneously. This study employed a descriptive quantitative approach using a survey method. The research population consisted of 115 active SME customers, with a sample of 54 respondents determined using the Slovin formula and purposive sampling technique. Data were collected through questionnaires and analyzed using t-test, F-test, and coefficient of determination. The results show that Sharia SME financing has a positive and significant effect on financial self-efficacy (t=2.566; sig=0.013). Financial literacy also has a positive and significant effect on financial self-efficacy (t=6.100; sig=0.000). Simultaneously, both variables have a significant effect on financial self-efficacy (F=81.396; sig=0.000), explaining 75.2% of the variation in financial self-efficacy.