CD Tesis

Analisis Pembiayaan UMKM pada PT Bank Riau Kepri Syariah di Kota Pekanbaru

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As an Islamic financial institution, Bank Riau Kepri Syariah is committed to strengthening the MSME sector which is the backbone of the national economy through efforts to encourage optimal contribution as a mediation institution in the form of providing financing in order to increase access to financing for MSME actors. This is in line with the Government's policy in order to support increasing access to financing and development for MSMEs through fulfilling the Macroprudential Inclusive Financing Ratio (RPIM) target for financial institutions, this policy is a challenge for Bank Riau Kepri Syariah to meet this ratio through increasing its contribution to the distribution of MSME financing.
This study aims to analyze the factors affecting MSME financing at PT Bank Riau Kepri Syariah in Pekanbaru City from the perspectives of demand factors and supply factors. The research method used is quantitative, with the research population consisting of MSMEs in Riau Province that received financing from Bank Riau Kepri Syariah in Pekanbaru City in 2023, totaling 2,614 MSMEs, and Bank Riau Kepri Syariah employees in the MSME financing division in Pekanbaru City, totaling 50 people. The MSME sample was selected using the Slovin method, resulting in 100 respondents proportionally chosen based on economic sector/type of business, while the sample of bank employees was selected using total sampling, consisting of 50 employees in positions such as division leaders, head office department leaders, branch managers, assistant branch managers, outlet managers, team leaders, and MSME account officers.
The analysis method used in this study is SEM PLS version 4.0. The results show that in research model 1, the variables of financial literacy and customer satisfaction have a positive and significant influence on demand factors, while the variables of margin and installment period do not have a significant influence. In the research model 2, labor and regulatory variables have a positive and significant influence on the provision of financing (supply factors), while the variables of finance, as well as products and services, have no significant effect on financing provision.

Keywords: Demand Factors; Supply Factors; Financing Acquisition; Financing Provision; MSME; Bank Riau Kepri Syariah.

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Ketersediaan

Informasi Detail

Judul Seri

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No. Panggil

2010247555

Penerbit

Pekanbaru : Universitas Riau Pascasarjana Tesis Ilmu Ekonomi., 2025

Deskripsi Fisik

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Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

2010247555

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

ILMU EKONOMI

Info Detail Spesifik

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Pernyataan Tanggungjawab

Jaka

Versi lain/terkait

Lampiran Berkas

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