The Effect of Loan Ease, Lending Policies, and Technology on the Decision of Submission of MSME Loans at Islamic Bank

M. Indra Maulana, Eko Suyono


This study aims to analyze the factors that influence the ease of applying for MSME loans in Islamic banks. The research was conducted using a quantitative approach, with data obtained through questionnaires and distributed to MSME owners in Jambi City. The sample used in this study consisted of 32 respondents who were selected using purposive sampling according to the criteria for MSMEs in Jambi City. The data obtained was analyzed using the SmartPLS application. The results of the study show that factors such as the submission process, document requirements, and policies have a significant effect on the ease of applying for MSME loans in Islamic Banks. In addition, the study also found that there was a significant relationship between the ease of applying for a loan and the decision to apply for a loan at an Islamic bank by MSMEs. This research contributes to an increased understanding of the factors that influence the ease of applying for MSME loans at Islamic Banks. The results of this study can be a reference for Islamic banks to improve their services to MSMEs and provide convenience for MSMEs in applying for loans. This research can also be the basis for further research related to the development of Islamic banking products and services for MSMEs. However, this study has several limitations, such as the limited sample in Jambi City and the use of a quantitative approach, which cannot provide a complete picture of the experience of MSMEs in applying for loans at Islamic banks. Therefore, further research can be carried out by involving a wider sample and using a qualitative approach to deepen understanding of the experience of MSMEs in applying for loans at Islamic banks

Keywords: Loan Ease, Submission Loans, MSMEs, Islamic Banks

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