Perceptions of Customers Toward Business Capital Financing Provided by Bank Syariah Indonesia (BSI) in West Aceh Regency

Salma Salma; Yoni Hendrawan; Muliza Muliza

doi:10.55681/jige.v6i4.4351

Authors

Salma Department of Sharia and Islamic Economics, Study Program of Sharia Banking, State Islamic College (STAIN) Teungku Dirundeng Meulaboh, Aceh Barat, Indonesia
Yoni Hendrawan Department of Sharia and Islamic Economics, Study Program of Sharia Banking, State Islamic College (STAIN) Teungku Dirundeng Meulaboh, Aceh Barat, Indonesia
Muliza Department of Sharia and Islamic Economics, Study Program of Sharia Banking, State Islamic College (STAIN) Teungku Dirundeng Meulaboh, Aceh Barat, Indonesia

DOI:

https://doi.org/10.55681/jige.v6i4.4351

Keywords:

Islamic Financing, Customer Perception, BSI, Business Capital

Abstract

This study seeks to examine customer opinions of Bank Syariah Indonesia (BSI) business capital finance in West Aceh Regency. This study employs a qualitative methodology utilising in-depth interviews with seven informants purposefully recruited from diverse business sectors. The results indicate that most customers have a positive perception of BSI’s financing, particularly regarding procedural ease, contract transparency, flexible installment tenors, and positive impacts on business growth. However, varied experiences were found concerning post-disbursement services. The discussion connects these findings with the Theory of Planned Behavior and prior studies, emphasizing that positive perceptions are shaped through the integration of functional, procedural, and relational dimensions. This study concludes that BSI’s financing model represents a participatory and contextual application of Islamic finance and offers strategic implications for strengthening service models based on local values.

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