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All Journal Journal of Economics, Entrepreneurship, Management Business and Accounting Indonesian Journal Of Business And Entrepreneurship Research
Muh Yahya
Universitas Patompo
Economics, Econometrics & Finance

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Financial Literacy Analysis of Brick Business Actors in Bontotangnga Village, Bajeng District, Gowa Regency Muh Yahya; Andi Naila Quin Azisah Alisyahbana; Ilham Abu; Rizka Aisyah Nurjannah
Indonesian Journal of Business and Entrepreneurship Research Vol. 1 No. 1 (2023): Vol. 1, No. 1, January 2023: Indonesian Journal of Business and Entrepreneurshi
Publisher : Departement of Business and Entrepreneurship Faculty of Economics and Business Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (302.391 KB)

Abstract

This study aims to determine the financial literacy of brick business actors in Bontotangnga Village, Bajeng District, Gowa Regency. This study uses a qualitative approach to the type of phenomenological research. Data collection techniques were carried out by interviews, observation, and documentation. The results of the study show that each entrepreneur has not utilized the services and products of existing financial institutions. Even though the services of financial institutions will greatly assist business transactions and can facilitate the expansion of sales. The results of this study found that the opening of a brick business was due to the basic factors inherited from their parents' business. Brick entrepreneurs are also influenced by suppliers of raw materials, so that output and fluctuations in raw materials will affect production costs which ultimately reduce profits, especially for brick entrepreneurs who do not record income and expenses in their business activities.
Factors Affecting the Demand for People's Business Credit by Micro, Small and Medium Enterprises Muh Yahya; Suharto Suharto; Andi Aris Mattunruang
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 1 No 3 (2023): Volume 1, Issue 3, September 2023
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v1i3.162

Abstract

This study aims to determine the influence of the factors of interest rates, administration and services, environment / recommendations, and time period, on the taking of people's business credit (KUR) for micro, small and medium enterprises (MSMEs) to test the most dominant factor in taking KUR for MSMEs. The sample was 100 respondents spread across Makassar City. This type of research is quantitative research, the data source is primary data. The analysis method uses multiple regression. The results show that the variables of interest rates, administration and services, environment/recommendations, and time period simultaneously influence the taking of KUR MSMEs. The results of the t test show that interest rates, administration and services have an effect on taking KUR MSMEs, while the environment/recommendations and the time period do not have a significant effect on taking KUR MSMEs in Makassar city, the most influential factor is the interest rate factor. This is in line with the expectation that MSMEs will tend to choose lower interest rates to facilitate the fulfillment of their obligations. In addition, efficient administration and services also play an important role in the decision to take KUR for MSMEs. The speed and ease of the credit application process greatly influences MSME preferences.
Co-Authors Andi Aris Mattunruang Andi Naila Quin Azisah Aliasyahbana Ilham Abu Rizka Aisyah Nurjannah Suharto Suharto