Analisis Pelaksanaan Pemberian Kredit Usaha Kecil di PT Bank Syariah Indonesia (Study kasus pada Bank Syariah Indonesia KCP Sukabumi Sudirman)

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in Indonesia’s economy by supporting employment, regional growth, and economic resilience. With more than 65 million business units contributing over 60% of national GDP, MSMEs represent a strategic sector for financial inclusion. In Sukabumi, the growth of MSME credit reflects increasing confidence between banks and entrepreneurs. Islamic banking, particularly through Sharia-compliant microfinance such as BSI KUR, holds strong potential to support MSME development. This study aims to identify internal and external factors affecting the microfinance portfolio of BSI KCP Sukabumi Sudirman, formulate development strategies using SWOT analysis, and determine strategic priorities through the Quantitative Strategic Planning Matrix (QSPM). A descriptive qualitative case study approach was applied using primary data from interviews and questionnaires with five BSI experts and twenty-five MSME actors, supported by secondary data from institutional reports and relevant literature. Strategic analysis employed IFE, EFE, IE, SWOT, and QSPM matrices. The results indicate that expanding BSI KUR Micro financing by leveraging competitive pricing, fast processing, and increasing public interest in Islamic banking is the most prioritized strategy to strengthen sustainable MSME financing. Keywords: development strategy, microfinance, MSMEs, QSPM, SWOT