Published: 2025-10-01
Tantangan Pasca Pembiayaan dan Keberlanjutan Usaha UMKM
DOI: 10.35870/jemsi.v11i5.4697
Abstract
This study analyzes post-financing challenges and business sustainability of MSMEs. With the aim of identifying and analyzing the challenges faced by MSMEs after obtaining financing, assessing the extent to which post-financing challenges affect business sustainability and strategies that can help MSMEs overcome post-financing challenges to ensure business sustainability. The method used in this study is qualitative research. By applying the data coding analysis model developed by Staruss and Corbin. The results of the study indicate that the main post-financing challenges for MSMEs include suboptimal financial management, limited market access, and difficulty maintaining business stability. Although sharia financing services and information are considered quite easy to access, there is still a gap in understanding the scheme, so that ongoing education and assistance are needed. On the other hand, the majority of customers are satisfied because financing has a positive impact on business development, improving product quality, and the ability to manage funds and strengthen competitiveness in the market.
Keywords
MSMEs; Sharia Financing; Business Challenges; Sustainability
Article Information
This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.
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Issue: Vol. 11 No. 5 (2025)
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Section: Articles
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Published: 2025-10-01
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License: CC BY 4.0
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Copyright: © 2025 Authors
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DOI: 10.35870/jemsi.v11i5.4697
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Defita Suryaningrum, Nahdlatul Ulama University Yogyakarta
Accounting Department, Nahdlatul Ulama University Yogyakarta, Jalan Ringroad Barat, Sleman 55293, Indonesia.
Gigih Aulia Hilmiawan, Nahdlatul Ulama University Yogyakarta
Accounting Department, Nahdlatul Ulama University Yogyakarta, Jalan Ringroad Barat, Sleman 55293, Indonesia.
Melvin Rahma Sayuga Subroto, Nahdlatul Ulama University Yogyakarta
Accounting Department, Nahdlatul Ulama University Yogyakarta, Jalan Ringroad Barat, Sleman 55293, Indonesia.
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