The Strategic Role of MSMEs in Accessing Working Capital Financing Through Islamic Banks in Berau Regency

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Quantitative research examines MSME willingness to accept business loans from Islamic banks, indicating promotion and product knowledge are vital.

A strong positive correlation exists between income, promotion, and product competence of MSME players and their willingness to implement KUR.
Findings suggest promotion and product knowledge significantly influence MSME operators' readiness for loans, while location factors are less impactful.
Quantitative research utilizing logistic regression analyzed data from 125 MSME respondents in Berau Regency to assess credit acceptance behavior.
The study highlights the need for better understanding of Islamic banking to motivate MSMEs to use products like KUR effectively.

Saputra et al. (2025) studied this question.

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Quantitative research examines MSME willingness to accept business loans from Islamic banks, indicating promotion and product knowledge are vital.