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MURABAHAH FINANCING REPAYMENT OPTIMIZATION THROUGH 5C CREDIT ANALYSIS

Finansha: Journal of Sharia Financial Management · Vol. 5 No. 1 (2024) · hlm. 116–129

DOI
10.15575/fjsfm.v5i1.33265
ISSN
2774-2687, 2775-0868
Terbit
2024-06-25
Penerbit
UIN Sunan Gunung Djati Bandung
Bahasa
eng

Abstrak

This study investigates the impact of the 5C credit analysis principles (Character, Capacity, Capital, Collateral, and Conditions of Economics) on the smoothness of murabahah financing payments at KSPPS BMT ItQan Soreang Unit either simultaneously or partially. Micro, Small, and Medium Enterprises (MSE) often face challenges due to a lack of business capital, despite financial products introduced by institutions like Savings and Loans Cooperatives and KSPPS BMT. Persisting issues in payment smoothness necessitate a comprehensive examination, particularly in credit analysis. This research employs a quantitative approach with logistic regression tests on a sample of 101 respondents using statistical techniques such as regression analiysis, wald test, and omnibus test of model coefficients. This research highlights the importance of applying the 5C credit analysis principles to improve risk management, policy development, operational efficiency, and financial inclusion in murabahah financing at KSPPS BMT ItQan Soreang Unit. Findings from the Omnibus Test of Model Coefficients confirm that the 5C principles collectively impact payment smoothness. Moreover, the Wald test identifies Character, Capacity, and Conditions of Economics as significant contributors to the effectiveness of murabahah financing payments at KSPPS BMT ItQan Soreang Unit. This research highlights the importance of applying the 5C credit analysis principles to improve risk management, policy development, operational efficiency, and financial inclusion in murabahah financing at KSPPS BMT ItQan Soreang Unit.

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7 penulis · 7 tautan kepenulisan bersama · 2 lintas organisasi

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  • Sunan Gunung Djati State Islamic University Bandung
  • Universitas Masoem
  • Politeknik Kesejahteraan Sosial
  • Organisasi berbeda
  • Organisasi sama
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Rekan penulisOrganisasiArtikel bersama
Ramadhani Irma TripalupiSunan Gunung Djati State Islamic University Bandung1
Novia Aisah AsriatiSunan Gunung Djati State Islamic University Bandung1
Tonton Taufik RahmanUniversitas Masoem1
Versanudin HekmatyarPoliteknik Kesejahteraan Sosial1
Anis Iffa KarimahSunan Gunung Djati State Islamic University Bandung1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/finansha/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">MURABAHAH FINANCING REPAYMENT OPTIMIZATION THROUGH 5C CREDIT ANALYSIS</dc:title>
	<dc:creator>Rapiyudin, Raply</dc:creator>
	<dc:creator>Alifa, Nabiela Rizki</dc:creator>
	<dc:subject xml:lang="en-US">Capital Issues</dc:subject>
	<dc:subject xml:lang="en-US">MSMEs</dc:subject>
	<dc:subject xml:lang="en-US">5C Principles</dc:subject>
	<dc:subject xml:lang="en-US">Payment Smoothness</dc:subject>
	<dc:description xml:lang="en-US">This study investigates the impact of the 5C credit analysis principles (Character, Capacity, Capital, Collateral, and Conditions of Economics) on the smoothness of murabahah financing payments at KSPPS BMT ItQan Soreang Unit either simultaneously or partially. Micro, Small, and Medium Enterprises (MSE) often face challenges due to a lack of business capital, despite financial products introduced by institutions like Savings and Loans Cooperatives and KSPPS BMT. Persisting issues in payment smoothness necessitate a comprehensive examination, particularly in credit analysis. This research employs a quantitative approach with logistic regression tests on a sample of 101 respondents using statistical techniques such as  regression analiysis, wald test, and omnibus test of model coefficients. This research highlights the importance of applying the 5C credit analysis principles to improve risk management, policy development, operational efficiency, and financial inclusion in murabahah financing at KSPPS BMT ItQan Soreang Unit. Findings from the Omnibus Test of Model Coefficients confirm that the 5C principles collectively impact payment smoothness. Moreover, the Wald test identifies Character, Capacity, and Conditions of Economics as significant contributors to the effectiveness of murabahah financing payments at KSPPS BMT ItQan Soreang Unit. This research highlights the importance of applying the 5C credit analysis principles to improve risk management, policy development, operational efficiency, and financial inclusion in murabahah financing at KSPPS BMT ItQan Soreang Unit.</dc:description>
	<dc:publisher xml:lang="en-US">UIN Sunan Gunung Djati Bandung</dc:publisher>
	<dc:date>2024-06-25</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinsgd.ac.id/index.php/finansha/article/view/33265</dc:identifier>
	<dc:identifier>10.15575/fjsfm.v5i1.33265</dc:identifier>
	<dc:source xml:lang="en-US">Finansha: Journal of Sharia Financial Management; Vol. 5 No. 1 (2024): Finansha: Journal of Sharia Financial Management; 116-129</dc:source>
	<dc:source>2774-2687</dc:source>
	<dc:source>2775-0868</dc:source>
	<dc:source>10.15575/fjsfm.v5i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinsgd.ac.id/index.php/finansha/article/view/33265/pdf_vol5no12024</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2024 Raply Rapiyudin, Nabiela Rizki Alifa</dc:rights>
</oai_dc:dc>