ANALYSIS OF CAPITAL CONSTRAINTS IN SHARIA FINANCING AT PT. SEJAHTERA TRIDAYA PRIMA

Abstract

This study analyzes the capital constraints in sharia financing faced by PT. Sejahtera Tridaya Prima, a company that still relies on conventional banks. This study uses a qualitative descriptive method involving interviews. on the company's internal parties. The results of the study indicate that the main constraints lie in administrative readiness, understanding of sharia financing mechanisms, and the incompatibility of sharia financing products with business needs. In addition, external challenges were also found such as inflexible sharia banking policies and low sharia financial literacy in the company. This study recommends strategies to increase synergy between companies and sharia banks through financial literacy, financing product innovation, and increased accessibility. This study is expected to be a reference for other companies in facing similar challenges, as well as providing input for the development of sharia banking services. Hilmi et al., said that the development of sharia banking in Indonesia is also considered one of the successes in the expansion of the sharia economy. (Hilmi et al., 2018).