IMPLEMENTATION OF A FLEXIBLE AND ADAPTIVE ISLAMIC MSME CREDIT ANALYSIS DECISION SUPPORT SYSTEM MODEL USING THE SAW METHOD

Authors

  • Mezan el-Khaeri Kesuma UIN Raden Intan Lampung, Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung
  • Tulus Suryanto UIN Raden Intan Lampung
  • Meilia Risna Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung
  • Nur Azizah Zuhriyah Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung

DOI:

https://doi.org/10.36563/rm9xzr91

Keywords:

Decision Support System (DSS), Islamic MSME Financing, Simple Additive Weighting (SAW), Prototyping, 5C Sharia

Abstract

The quality of financing portfolios in Islamic microfinance institutions is significantly influenced by the efficiency and accuracy of prospective debtor feasibility analysis. Traditional manual assessments, which often focus exclusively on formal financial ratios, are susceptible to elevated Non-Performing Financing (NPF) rates due to evaluator subjectivity and an inability to adequately capture the qualitative characteristics inherent in informal Micro, Small, and Medium Enterprises (MSMEs). This study endeavors to design and develop a flexible and adaptive Decision Support System (DSS) for Islamic MSME credit analysis. This is achieved through the integration of qualitative descriptive methods, prototyping development methodologies, and the Simple Additive Weighting (SAW) algorithm. A case study was conducted involving 60 Women Farmer Groups (KWT) and 60 local food-processing MSMEs, all operating within a Muslim context. The qualitative approach reinterpreted the 5C Sharia criteria (Character/Amanah, Capacity, Capital, Collateral/Rahn, and Condition/Maslahah) into standardized quantitative indicators. A key feature of the system is a Hard Constraint Sharia Filter, designed to definitively exclude non-compliant business activities prior to any mathematical computation. Black Box Testing demonstrated 100% functional validity, while User Acceptance Testing (UAT) confirmed that the iterative prototyping cycle effectively mitigated user resistance and substantially accelerated credit analysis processing time, reducing it from days to minutes.

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Published

2026-10-30

Issue

Vol. 5 No. 1 (2026)

Section

Articles

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Copyright (c) 2026 Mezan el-Khaeri Kesuma, Tulus Suryanto, Meilia Risna, Nur Azizah Zuhriyah

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How to Cite

IMPLEMENTATION OF A FLEXIBLE AND ADAPTIVE ISLAMIC MSME CREDIT ANALYSIS DECISION SUPPORT SYSTEM MODEL USING THE SAW METHOD. (2026). BEMJ: Business, Entrepreneurship, and Management Journal, 5(1). https://doi.org/10.36563/rm9xzr91