Optimalisasi Pembiayaan UMKKM pada Unit Mikro Bank Syariah Mandiri

Abstract

This study determines the most influential factors for the optimization of the financing of SMEs in Islamic banks and their solutions. The method used in this study is a mixed-methods study, which is a method by combining quantitative methods with qualitative methods to be used together in research. The results of this research are that the most influential factor to the financing of SMEs is the weakness and limitations of SMEs itself so that the limitations make SMEs challenging to access capital from formal financial institutions such as Islamic banks. To achieve optimization of financing portfolio target, BSM Micro Units have a specific strategy, by improving the quality of human resources, infrastructure, Business Strategy, and strengthen the Risk Management system. The results of this research using Structural Equation Modeling (SEM), the most positive influence on the optimization is human resources and infrastructure financing, while the business strategy and risk management have a negative impact.