This study aims to identify the factors that hinder the MSME credit application process and provide recommendations to improve the efficiency and effectiveness of the credit application process. This study uses a qualitative method with a descriptive approach. In conducting the analysis, this study uses the Business Process Improvement (BPI) analysis method to analyze and improve the process. The results of the study show that there are 4 factors causing problems in the credit process, and in the process improvement analysis after streamlining and redesigning the process, there is a reduction of 17 activities and a total time of 67 hours or equivalent to 7 working days.
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Ardan et al. (2024) studied this question.
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