Analysis of Inhibiting Factors in the Micro Business Credit Financing Process and Implications for Customer Business Sustainability at Bank Syariah Indonesia Mukomuko Branch Office

Ayu Retno Trianingsih, Idwal B, Esti Alfiah — Tue, 23 Jun 2026 15:40:23 +0800

This study aims to determine and analyze the implementation process of Sharia People's Business Credit (KUR Syariah) distribution, identify inhibiting factors in the financing process, and analyze the implications of these obstacles on the business sustainability of customers at Bank Syariah Indonesia (BSI) KCP Mukomuko. The research method used is qualitative with a descriptive approach. Data were collected through in-depth interviews with five informants consisting of the Micro Business Manager (MBS) and Retail Sales Executive (RSE), as well as through observation and documentation. The results showed that the distribution process of KUR Syariah at BSI KCP Mukomuko is carried out through stages of application, OJK SLIK file verification, field survey (On The Spot), 5C feasibility analysis (Character, Capacity, Capital, Collateral, Condition), to the signing of the murabahah contract. The main inhibiting factors found include internal factors in the form of technical and geographical constraints, as well as external factors such as the unreadiness of customer administrative documents and the low quality of the character or capacity of prospective debtors. The implications of these financing process obstacles impact delays in receiving capital which cause customers to lose business momentum; however, in general, successfully distributed financing provides positive implications for increasing turnover, adding assets, and expanding market reach for MSMEs in Mukomuko Regency.

Keywords: KUR Syariah, Inhibiting Factors, Business Sustainability, BSI KCP Mukomuko.

Digital Platforms and the Marginalization of MSMEs: An Islamic Economic Law Perspective in Parepare City

Sofyan Ahmad, Zainal Said, Hannani Hannani — Tue, 23 Jun 2026 16:23:54 +0800

Research on MSMEs and the digital economy generally focuses on digital marketing strategies and the validity of contracts in electronic transactions, while studies on the marginalization of MSMEs due to the structure and policies of digital platforms are still relatively limited. This study aims to analyze the marginalization mechanisms of Micro, Small, and Medium Enterprises (MSMEs) in the digital platform ecosystem and examine this phenomenon from the perspective of Islamic Economic Law. The study was conducted in Parepare City, South Sulawesi, using a descriptive qualitative research method with a field study approach. Data were obtained through in-depth interviews, observation, and documentation of nine MSMEs consisting of Culinary Businesses, Local Craft Businesses, Muslim Fashion Businesses, printing businesses, mixed shops, fried food businesses, Sultan Snacks, laundry, and graduation sash businesses. Data analysis was carried out through the stages of data reduction, data presentation, and drawing conclusions. The results show that digital platforms provide benefits in the form of expanded market access, increased consumer reach, and ease of transactions. However, on the other hand, marginalization mechanisms were found, characterized by dependence on platform algorithms, high service and promotion costs, the dominance of large-capital businesses, unequal price competition, and a lack of transparency in platform policies. From the perspective of Islamic Economic Law, this situation does not fully reflect the principles of justice (al-'adl), balance (tawazun), and public welfare (maqasid sharia). Furthermore, there are indications of elements of gharar (unlawful behavior) due to unclear algorithms and platform policies, which have the potential to harm MSMEs. Therefore, more transparent, accountable digital regulations are needed that support the protection and empowerment of MSMEs.

Keywords: MSMEs, Digital Platforms, Economic Marginalization, Islamic Economic Law, Fiqh Muamalah, Maqasid Sharia

Borneo Islamic Finance and Economics Journal

Analysis of Inhibiting Factors in the Micro Business Credit Financing Process and Implications for Customer Business Sustainability at Bank Syariah Indonesia Mukomuko Branch Office

Digital Platforms and the Marginalization of MSMEs: An Islamic Economic Law Perspective in Parepare City