PENGARUH PERSYARATAN KREDIT, LITERASI KEUANGAN, DAN DEMOGRAFI TERHADAP AKSES KREDIT FORMAL PADA UMKM DI SIDOARJO
Abstract: This study aims to
analyze the impact of credit terms, financial literacy, and demographics to
formal credit accessibility on Small Medium Enterprise (SME) in Sidoarjo. The
research method in this study is purposive sampling where there are two
requirements that must be fullfiled by the owner of SME to be chosen respondent
in this study. The data in this study was collected by distributing
questionnaires either directly or online from April 2nd 2018 – April 30th 2018.
Samples on this study are 100 respondent who have access to credit at a formal
financial institution. The method used in this study is multiple linear
regression. The finding of this study shows that the credit requirements and
financial literacy have a significant positive effect on access to formal
credit. While age, gender, and level of education are not significant effect on
access to formal credit. The implication of this research is known that access
to formal credit by SMEs in Sidoarjo more affected by financial literacy
variables, so the government is expected to improve the financial literacy rate
of SMEs owners to socialize the importance of access to formal credit and
financial management for the development of their businesses.
Keywords: Access to Formal
Credit, Credit Terms, Financial Literacy, Demographics, Small Medium Enterprise
(SME)
Penulis: ALIKA MAISYAROH, R.A.
SISTA PARAMITA
Kode Jurnal: jpmanajemendd180502
