180 THE INFLUENCE OF PLAFOND, TENOR, APPLICATION PROCESS, AND LOAN FREQUENCY ON THE GROWTH OF BANK SYARIAH INDONESIA'S MSME CUSTOMERS Anisa Lia Viantina 1 , Ratih Purbowisanti 2 , Dhidin Noer Ady Rahmanto 3 , Dunyati Ilmiah 4 , Novi Febriyanti 5 12345 Islamic Banking, Faculty of Economics and Business, Universitas Alma Atta, Indonesia Email: anisalia01@gmail.com 1 , ratihp33@gmail.com 2 , dhidhin@almaata.ac.id 3 , dunyatiilmy@almaata.ac.id 4 , novikfbr@gmail.com 5 DOI: 10.21154/invest.v2i2.5405 Received: 2022-11-12 Revised: 2022-12-22 Approved: 2022-12-23 Abstract: Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth. However, the growth of MSMEs is constrained by difficulties in accessing capital. This study aims to determine the effect of the variable amount of financing (plafond), the application process, the repayment period (tenor), and the frequency of borrowing on the growth of MSMEs. This study uses a quantitative method with a sample of 80 respondents from Bank Syariah Indonesia branch office Sleman Prambanan customers. The sample selection used a purposive sampling technique with the criteria that Bank Syariah Indonesia branch office Sleman Prambanan customers were SMEs in the Yogyakarta and Klaten areas and used financing products such as BSI KUR Micro, BSI KUR Kecil, and BSI Super Micro. The analytical technique used is the classical assumption test, multiple linear regression analysis, t-test, F test, and the coefficient of determination with the help of SPSS software. The results show that the amount of financing (plafond) and the repayment period (tenor) have a positive effect. In contrast, the application process and the borrowing frequency do not positively affect the growth of MSMEs. Keywords: Islamic Banking; Islamic Microfinance; MSMEs Abstrak: Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran penting dalam pertumbuhan ekonomi. Namun, pertumbuhan UMKM terkendala kesulitan akses permodalan. Penelitian ini bertujuan untuk mengetahui pengaruh variabel jumlah pembiayaan (plafon), proses pengajuan, jangka waktu pengembalian (tenor), dan frekuensi peminjaman terhadap pertumbuhan UMKM. Penelitian ini menggunakan metode kuantitatif dengan sampel sebanyak 80 responden nasabah Bank Syariah Indonesia branch office Sleman Prambanan. Pemilihan sampel menggunakan teknik purposive sampling dengan kriteria nasabah Bank Syariah Indonesia kantor cabang pembantu Sleman Prambanan, merupakan UKM di wilayah Yogyakarta dan Klaten, serta menggunakan produk pembiayaan seperti BSI KUR Mikro, BSI KUR Kecil, dan BSI Super Mikro. Teknik analisis yang digunakan adalah uji asumsi klasik, analisis regresi linier berganda, uji t, uji F, dan koefisien determinasi dengan bantuan software SPSS. Hasil penelitian menunjukkan bahwa jumlah pembiayaan (plafon) dan jangka waktu pengembalian (tenor) berpengaruh positif, sedangkan proses pengajuan dan frekuensi peminjaman tidak berpengaruh positif terhadap pertumbuhan UMKM. Kata kunci: Keuangan Mikro Islam; UMKM; Perbankan Islam Journal of Sharia and Economic Law Vol. 2, No. 2, December 2022 (pp. 180-195)