Implementation of the Use People's Business Credit Finance in Bank Syariah Indonesia

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Sofyan Khanafi Kenlies Era Rosalina Marsudi


People's business credit financing aims to assist capital in increasing business growth. But in reality, KUR financing is used by customers for personal gain by utilizing the KUR program for consumptive financing instead of productive financing so that KUR which should be able to move the business sector in MSMEs is used for consumptive financing which does not generate economic benefits. The purpose of this study is to analyze the application of people's business credit financing, analyze the motives used in financing people's business loans for consumptive matters and analyze the application of the feasibility and compliance of people's business credit financing in Indonesian Islamic banks KC Solo Slamet Riyadi 2. The method used in this study using a qualitative research approach. through observation and results of interviews with informants and documentation. The results of the study show that the majority of customers apply for KUR financing but with the aim of purchasing consumptive goods such as purchasing personal vehicles by customers using KUR financing. KUR financing uses 5C Character, Capacity, Capital, Condition and Collateral. As for the application of compliance, namely that it must fulfill 3 things, namely the character of the customer, the business conditions run by the customer and also the collateral that is used as collateral.

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KHANAFI, Sofyan; MARSUDI, Kenlies Era Rosalina. Implementation of the Use People's Business Credit Finance in Bank Syariah Indonesia. Proceeding of Annual International Conference on Islamic Economics (AICIE), [S.l.], v. 2, n. 1, p. 171-178, sep. 2023. ISSN 2963-6116. Available at: <>. Date accessed: 04 mar. 2024. doi: