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)
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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. |
| 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 |
| No. Panggil | No. Barkod | Ketersediaan |
|---|---|---|
| 330 JETIK 18: 1 (2019) | 03-19-500755113 | TERSEDIA |
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| Tidak ada ulasan pada koleksi ini: 20494896 |
