ANALISIS KELAYAKAN PEMBIAYAAN TERHADAP TINGKAT PENGEMBALIAN PEMBIAYAAN USAHA KECIL PADA BANK SYARIAH INDONESIA: Analisis Kelayakan Pembiayaan terhadap Tingkat Pengembalian Pembiayaan Usaha Kecil pada Bank Syariah Indonesia

Mohamad Ali

doi:10.57032/jsd.v5i2.323

Penulis

Mohamad Ali Universitas Islam Depok, Indonesia

DOI:

https://doi.org/10.57032/jsd.v5i2.323

Kata Kunci:

kelayakan pembiayaan, tingkat pengembalian, UMKM, pembiayaan syariah, Bank Syariah Indonesia

Abstrak

Penelitian ini bertujuan untuk menganalisis pengaruh kelayakan pembiayaan terhadap tingkat pengembalian pembiayaan usaha kecil pada Bank Syariah Indonesia (BSI). Fokus penelitian mencakup empat dimensi utama kelayakan pembiayaan, yaitu kelayakan teknis, kelayakan pasar, kelayakan finansial, dan kualitas analisis pembiayaan. Metode penelitian menggunakan pendekatan kuantitatif dengan teknik survei terhadap 180 pelaku usaha kecil yang menerima pembiayaan dari BSI, dilengkapi dengan wawancara mendalam kepada petugas pembiayaan. Analisis regresi linear berganda digunakan untuk menguji pengaruh masing-masing variabel terhadap tingkat pengembalian pembiayaan, yang diukur melalui kategori kelancaran angsuran. Hasil penelitian menunjukkan bahwa seluruh variabel kelayakan pembiayaan memiliki pengaruh positif dan signifikan terhadap tingkat pengembalian pembiayaan. Di antara keempat variabel tersebut, kelayakan finansial menjadi faktor paling dominan dengan koefisien regresi tertinggi (0,431), disusul oleh kelayakan teknis, kelayakan pasar, dan kualitas analisis pembiayaan. Nilai R² sebesar 0,614 menunjukkan bahwa 61,4% variasi tingkat pengembalian dapat dijelaskan oleh model yang digunakan. Temuan tambahan mengungkap bahwa digitalisasi usaha, khususnya melalui pencatatan transaksi digital, berkorelasi dengan kelancaran pembayaran yang lebih tinggi. Selain itu, wawancara dengan petugas pembiayaan menunjukkan bahwa site visit berulang dan pendampingan pasca pencairan menjadi faktor penting dalam meminimalkan risiko pembiayaan bermasalah. Penelitian ini menegaskan pentingnya penguatan analisis kelayakan, peningkatan literasi keuangan debitur, serta integrasi data digital dalam proses penilaian risiko pembiayaan. Hasilnya memberikan kontribusi praktis bagi BSI dalam meningkatkan kualitas portofolio pembiayaan UMKM, serta kontribusi teoritis dalam pengembangan model kelayakan pembiayaan syariah yang lebih komprehensif dan adaptif terhadap perkembangan digital.

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ANALISIS KELAYAKAN PEMBIAYAAN TERHADAP TINGKAT PENGEMBALIAN PEMBIAYAAN USAHA KECIL PADA BANK SYARIAH INDONESIA