Implementation of DSS for the Selection of MSME Financing Based on Financial Performance and Growth Potential
DOI:
https://doi.org/10.31294/ji.v13i1.11151Keywords:
AHP, DSS, Financing, MSMEs, TopsisAbstract
Many businesses have difficulty choosing a funding scheme that suits their financial condition and their company's growth potential. The Analytical Hierarchy Process (AHP) method and the Order of Preference by Similarity to Ideal Solution (TOPSIS) technique are combined to create the right Decision Support System (DSS). This research collected data through surveys and interviews with experts in 30 relevant agency-assisted MSMEs, but the data that will be displayed in this journal are as many as 5 MSME data that we have selected. Then, using AHP to determine how important financial criteria and business prospects are, and using the TOPSIS method to compare alternative financing such as people's business loans, fintech loans, and venture capital. Research outputs include a prototype of a system that can generate scientific publications, policy inputs, and objective financing advice for financial institutions. It is hoped that with this DSS, the financing selection process will be more measurable and accurate, and will support the sustainable growth of MSMEs. This resualt shows that the Analytical Hierarchy Process (AHP) method is able to produce a consistent criterion weight with a Consistency Ratio (CR) value of < 0.1, where business duration (0.22) and income (0.17) are the most dominant factors in assessing the feasibility of MSME financing. Furthermore, the TOPSIS method was used to produce an objective MSME ranking, with Krh Kreasikus Production obtaining the highest preference value (Ci = 0.6911) and Nainay Salted Egg Producer obtaining the lowest value (Ci = 0.2259), demonstrating the ability of this method in distinguishing at-risk MSMEs and MSMEs with better growth potential. Overall, the AHP-TOPSIS-based Decision Support System model has proven to be effective in helping financial institutions evaluate MSMEs in a more systematic, transparent, and data-based manner compared to conventional methods.
Downloads
References
Abadi, S., Gumanti, M., Susianto, D., & Ariningrum, H. (2023). Determinan Faktor Keberhasilan Usaha Mikro Kecil dan Menengah: Integrasi Metode Critical Success Factors (CSFs) dan Analytic Hierarchy Process (AHP). MALCOM: Indonesian Journal of Machine Learning and Computer Science, 3(2), 302–311. https://doi.org/10.57152/malcom.v3i2.946
Abdurrahman, G., Oktavianto, H., Habibie, E. Y., & Hadiyatullah, A. W. (2020). Pelatihan Digital Marketing Pada UMKM Sebagai Penunjang Kegiatan Promosi Dan Pemasaran. Jurnal Pengabdian Masyarakat Manage, 1(2), 88–92. https://doi.org/10.32528/jpmm.v1i2.3981
Abu, N., da Silva, F. P., & Vieira, P. R. (2025). Government support for SMEs in the Fintech Era: Enhancing access to finance, survival, and performance. Digital Business, 5(1), 100099. https://doi.org/10.1016/j.digbus.2024.100099
Febriyanti, N. N. M., Leksono, V. A., Rizalmi, S. R., & Sulaiman, M. (2023). Analisis Strategi Pemasaran Untuk Meningkatkan Penjualan Roti Menggunakan Metode Promotion Mix Dan AHP (Studi Kasus Pada UMKM X Bakery Balikpapan). JATI UNIK : Jurnal Ilmiah Teknik Dan Manajemen Industri, 6(2), 14–25. https://doi.org/10.30737/jatiunik.v6i2.3351
Fitriani, R., Suseno, A., Fadilah, A., Ainun, F., & Pramudya, A. (2023). Integrasi AHP, SWOT, dan QSPM untuk Pengembangan Strategi Keberlanjutan UMKM Kecap Segi Tiga. Prosiding Seminar Nasional Teknik Industri (SENASTI), 1017–1027.
Hermansyah, M., Mujiono, M., Fatimatuzzahra, F., Dedes, K., & Firdausi, M. F. (2025). Integration of AHP and TOPSIS Methods in Decision Making Models to Identify High Achieving Students. Journal of Informatics Development, 3(2), 7–19. https://doi.org/10.30741/jid.v3i2.1547
Hu, J., Huang, L., Li, W., & Xu, H. (2025). Financing Mechanisms and Preferences of Technology-Driven Small- and Medium-Sized Enterprises in the Digitalization Context. Systems, 13(2), 1–29. https://doi.org/10.3390/systems13020068
Jha, P., & Kumar Mittal, S. (2024). The nexus between financing pattern, firm-specific factors, and financial performance: Panel evidence of listed SMEs in India. IIMB Management Review, 36(1), 71–82. https://doi.org/10.1016/j.iimb.2024.02.001
Juwita, O., Firdonsyah, A., Ali, M., Widodo, A. P., & Isnanto, R. R. (2022). Studi Literatur Platform Digital Sebagai Sarana Pembangunan Ekosistem Dalam Mengembangkan UMKM. INFORMAL: Informatics Journal, 7(1), 59. https://doi.org/10.19184/isj.v7i1.31547
Keshavarz-Ghorabaee, M. (2023). Sustainable Supplier Selection and Order Allocation Using an Integrated ROG-Based Type-2 Fuzzy Decision-Making Approach. Mathematics, 11(9), 141–156. https://doi.org/10.3390/math11092014
Khotimah, B. K., Anamisa, D. R., Kustiyahningsih, Y., Fauziah, A. N., & Setiawan, E. (2024). Enhancing Small and Medium Enterprises: A Hybrid Clustering and AHP-TOPSIS Decision Support Framework. Ingenierie Des Systemes d’Information, 29(1), 313–321. https://doi.org/10.18280/isi.290131
Muhammad Ikhsan, & Muhammad Hasan. (2020). Analisis Dampak Penggunaan E-Commerce dalam Meningkatkan Omzet Penjualan Usaha Mikro Kecil Menengah di Kota Makassar. Journal of Economic Education and Entrepreneurship Studies, 1(1), 39–46. https://doi.org/10.26858/je3s.v1i1.41
OECD. (2021). OECD SME and Entrepreneurship Outlook 2021. In Oecd. https://www.oecd.org/en/publications/serials/oecd-sme-and-entrepreneurship-outlook_11c3425f.html
Palmieri, E., & Ferilli, G. B. (2024). Innovating the bank-firm relationship: a spherical fuzzy approach to SME funding. European Journal of Innovation Management, 27(9), 487–515. https://doi.org/10.1108/EJIM-02-2024-0102
Pratiwi, P. H., Abidah, A. N., & Afifah, N. (2024). Analisis Pembiayaan UMKM dan Pembiayaan Bermasalah pada Bank Muamalat Indonesia. Jurnal Arastirma, 4(2), 374–384. https://doi.org/10.32493/jaras.v4i2.36866
Purnama, I. K. E., Ariastita, P. G. A., Handayeni, K. D. M. E., & Nugroho, S. M. S. (2018). Application of E-Commerce for SMEs Strengthening Based on One Village One Product Concept in Karangasem Regency. Sewagati, 2(2), 85–90.
Ren, L., Zhang, Y., Wang, Y., & Sun, Z. (2007). Comparative analysis of a novel M-TOPSIS method and topsis. Applied Mathematics Research EXpress, 2007, 1–10. https://doi.org/10.1093/amrx/abm005
Ridho, A., & Listiana, N. (2024). Implementasi Metode AHP dan TOPSIS dalam Pemilihan Social Commerce Terbaik bagi UMKM. REMIK: Riset Dan E-Jurnal Manajemen Informatika Komputer, 8(4), 1160–1171.
Roy, P. K., & Shaw, K. (2021). A multicriteria credit scoring model for SMEs using hybrid BWM and TOPSIS. Financial Innovation, 7(1). https://doi.org/10.1186/s40854-021-00295-5
Sipayung, T. D. (2025). The Impact of Financing Digitalization on MSME Operational Effectiveness: The Mediating Role of Innovation, Digital Infrastructure, and Fintech. Jurnal Ilmiah Manajemen Kesatuan, 13(3), 1621–1634. https://doi.org/10.37641/jimkes.v13i3.3258
Subiyantoro, E., Muslikh, A. R., Andarwati, M., Swalaganata, G., & Pamuji, F. Y. (2022). Analisis Pemilihan Media Promosi UMKM untuk Meningkatkan Volume Penjualan Menggunakan Metode Analytical Hierarchy Process (AHP). Jurnal Teknologi Dan Manajemen Informatika, 8(1), 1–8. https://doi.org/10.26905/jtmi.v8i1.6760
Sunariani, N. N., Suryadinata, A. O., & Mahaputra, I. I. R. (2017). Pemberdayaan Usaha Mikro Kecil dan Menengah (UMKM) Melalui Program Binaan di provinsi Bali. Jurnal Ilmiah Manajemen Dan Bisnis, 2(1), 1–20.
Suryawan, I. G. T., & Devi, N. M. A. R. (2023). Implementasi Metode Moora Dalam Menentukan Kelayakan Penerima Bantuan Langsung Tunai Covid-19. Jurnal Teknologi Informasi Dan Komputer, 9(2), 40–52. https://doi.org/10.36002/jutik.v9i2.2349
Widianingsih, I. (2020). dengan Surat Keputusan Menteri Riset Dan Teknologi / Kepala Badan Riset Dan Inovasi Nasional DEWAN EDITORIAL Editor In Chief 1 . Ida Widianingsih , Scopus Author ID : 15924634700 , Pusat Studi Desentralisasi & Pembangunan Partisipatif , FISIP Universitas. Kumawula : Jurnal Pengabdian Kepada Masyarakat, 3, 1–19. http://repository.ubaya.ac.id/39011/1/09 Peranan e-commerce Kumawula 2020.pdf
Wijaya, L. I., Zunairoh, Z., Izharuddin, M., & Rianawati, A. (2025). Scope of E-Commerce use, innovation capability, and performance: Food sector MSMEs in Indonesia. Journal of Open Innovation: Technology, Market, and Complexity, 11(1), 100459. https://doi.org/10.1016/j.joitmc.2024.100459
Zuhroh, D., Jermias, J., Ratnasari, S. L., Sriyono, Nurjanah, E., & Fahlevi, M. (2025). The impact of sharing economy platforms, management accounting systems, and demographic factors on financial performance: Exploring the role of formal and informal education in MSMEs. Journal of Open Innovation: Technology, Market, and Complexity, 11(1), 100447. https://doi.org/10.1016/j.joitmc.2024.100447
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Willy Eka Septian, Maya Permata Sari, Rinaldi Adam, Muhammad Ibrahim, Silvia Maharani, Lena Magdalena (Author)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
