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Critical factors that determine credit approval to micro, small and medium enterprises

Halim Putera Siswanto, Agus Zainul Arifin, Cavin Cavin (Faculty of Economics and Business State Islamic University (UIN) Syarif Hidayatullah, 2019)

 Abstrak

Abstrak
Many business owners attempt to apply for bank credit, but not all of them are approved. This study aims to reveal the factors determining credit approval to Micro, Small, and Medium Enterprises (MSME). The variables used in this study are the owners capital, company establishment, collateral value, credit amount, owners age, and good relationship with the bank. In this study, the logit model used as a technique of analysis, in which there is only one dependent variable in the form of dummy along with the other six independent variables. The statistical test reveals that simultaneously all independent variables have significant effects on credit approval. Partially, only the owners capital and good relationships with the bank do affect the approval. Therefore, business owners should pay more attention to their amount of capital and interrelation with the bank when applying for bank credit.

 Metadata

No. Panggil : 330 JETIK 18: 1 (2019)
Entri utama-Nama orang :
Entri tambahan-Nama orang :
Subjek :
Penerbitan : Jakarta: Faculty of Economics and Business State Islamic University (UIN) Syarif Hidayatullah, 2019
Sumber Pengatalogan : LibUI eng rda
ISSN : 14128969
Majalah/Jurnal : Etikonomi Jurnal Ekonomi
Volume : Vol. 18, No. 1 2019: hal. 93-104
Tipe Konten : text
Tipe Media : unmediated
Tipe Carrier : volume
Akses Elektronik :
Institusi Pemilik : Universitas Indonesia
Lokasi : Perpustakaan UI, Lantai 4, R. Koleksi Jurnal
  • Ketersediaan
  • Ulasan
No. Panggil No. Barkod Ketersediaan
330 JETIK 18: 1 (2019) 03-19-500755113 TERSEDIA
Ulasan:
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