Marzal Halim, . (2026) ANALISIS STRATEGI PEMBIAYAAN KUR MIKRO DALAM MENARIK MINAT UMKM DI PT BANK SYARIAH INDONESIA, Tbk. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
Micro, Small, and Medium Enterprises (MSME) play an important role in Indonesia’s economy but still face challenges in accessing business financing. One of the efforts to support these needs is through Sharia-based People’s Business Credit (KUR) financing provided by PT Bank Syariah Indonesia Tbk. This writing aims to analyze the mechanism of BSI KUR Mikro Syariah financing and the strategies implemented to increase MSME interest in using this financing product. This writing used a descriptive method with a qualitative approach through observation, interviews, and literature study as data collection techniques. The results indicate that the financing mechanism has been implemented systematically in accordance with Islamic banking principles through the stages of application, verification, feasibility analysis using the 5C principles, implementation of Murabahah and Wakalah contracts, fund disbursement, and post-disbursement monitoring. In addition, the strategies implemented include product socialization, direct approaches to MSME, simplified application procedures, service improvement, utilization of digital media, collaboration with related parties, and customer assistance programs. These strategies are considered effective in increasing financing access, public trust, and MSME interest in Sharia financing.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No. Panggil : 2310101066] [Pembimbing : Yoko Tristiarto] [Penguji 1 : Agus Kusmana] [Penguji 2 : Anggi Angga Resti] |
| Uncontrolled Keywords: | KUR Mikro Syariah, MSME, Sharia financing. |
| Subjects: | H Social Sciences > HG Finance H Social Sciences > HJ Public Finance L Education > L Education (General) |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) |
| Depositing User: | MARZAL HALIM |
| Date Deposited: | 27 Aug 2026 03:49 |
| Last Modified: | 27 Aug 2026 03:49 |
| URI: | http://repository.upnvj.ac.id/id/eprint/50733 |
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