The Influence of Plafond, Tenor, Application Process, and Loan Frequency on The Growth of Bank Syariah Indonesia's MSMEs Customers

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth. However, the growth of MSMEs is constrained by difficulties in accessing capital. This study aims to determine the effect of the variable amount of financing (plafond), the application process, the repayment period (tenor), and the frequency of borrowing on the growth of MSMEs. This study uses a quantitative method with a sample of 80 respondents from Bank Syariah Indonesia branch office Sleman Prambanan customers. The sample selection used a purposive sampling technique with the criteria that Bank Syariah Indonesia branch office Sleman Prambanan customers were SMEs in the Yogyakarta and Klaten areas and used financing products such as BSI KUR Micro, BSI KUR Kecil, and BSI Super Micro. The analytical technique used is the classical assumption test, multiple linear regression analysis, t-test, F test, and the coefficient of determination with the help of SPSS software. The results show that the amount of financing (plafond) and the repayment period (tenor) have a positive effect. In contrast, the application process and the borrowing frequency do not positively affect the growth of MSMEs.

Tingkat Kesehatan Bank Syariah Menggunakan Metode Risk Profile, Good Corporate Governance, Earning, Capital (Rgec) Periode 2017-2022

“…Analisis tingkat kesehatan pada bank salah satunya bertujuan untuk mengetahui dan mengevaluasi bagaimana kinerja yang telah berjalan selama periode tertentu. Hal ini berhubungan dengan dilakukannya analisis lanjutan yakni forecasting atau peramalan pada kemungkinan bank mengalami kesulitan keuangan atau financial distress di masa yang akan dating (Viantina, 2022). Dengan begitu maka langkah perbaikan dapat segera direncanakan, strategi baru dapat segera disusun, dan tak lupa peningkatan kualitas sumber daya yang juga perlu dipersiapkan.…”

Market Microstructure and Financing Efficiency in Msmes in Indonesia: Comparison of Sharia and Conventional Sectors

“…In addition, research has been conducted on the determinants of loan repayment in microfinance, shedding light on elements that influence the capacity to repay and offering insights into the relative financial wellbeing of conventional and Shariah-compliant sectors (Kayembe et al 2021). By comprehending these distinctions and factors, financial institutions can enhance their ability to mitigate loan risks and deliver superior services to their clientele (Viantina et al 2022).…”

“…It is noteworthy that conventional MSMEs exhibit a marginally higher mean score (4.1) in relation to the impact of market microstructure when contrasted with Shariah-compliant MSMEs (3.9). It seems that access to finance is marginally more impacted by market microstructure in the case of conventional MSMEs as opposed to Shariah-compliant MSMEs (Viantina et al 2022). This indicates that market conditions might have a more significant impact on conventional MSMEs' access to financing (Lestari et al 2022).…”