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MURABAHAH FINANCING REPAYMENT OPTIMIZATION THROUGH 5C CREDIT ANALYSIS

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

DOI
10.15575/fjsfm.v5i1.33265
ISSN
2774-2687, 2775-0868
Published
2024-06-25
Publisher
UIN Sunan Gunung Djati Bandung
Language
eng

Abstract

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.

Keywords

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Ramadhani Irma TripalupiAffiliation unknown1
Novia Aisah AsriatiAffiliation unknown1
Versanudin HekmatyarAffiliation unknown1
Anis Iffa KarimahAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/finansha/oai, first harvested 7 Nov 2026, last seen 8 Nov 2026.
Original metadata (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>