Article Per Year (5 Year)
p-Index From 2019 - 2024
1.066
P-Index
This Author published in this journals
All Journal Jurnal Siasat Bisnis Ekonomi Bisnis Trikonomika: Jurnal Ekonomi JSEH (Jurnal Sosial Ekonomi dan Humaniora) Indonesian Journal of Science and Technology JMM UNRAM (Jurnal Magister Manajemen Universitas Mataram) JURNAL LENTERA BISNIS JEBDEKER: Jurnal Ekonomi, Manajemen, Akuntansi, Bisnis Digital, Ekonomi Kreatif, Entrepreneur PAKDEMAS : Jurnal Pengabdian Kepada Masyarakat Best Journal of Administration and Management
Donny Oktavian Syah
Politeknik LP3I Jakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Neuroscience Nursing Physics Public Health Social Sciences Transportation Veterinary Other

Published : 10 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : JMM UNRAM (Jurnal Magister Manajemen Universitas Mataram)

 1 
LENDING RELATIONSHIP DAN DAMPAKNYA TERHADAP AKSES KREDIT BAGI USAHA KECIL DAN MIKRO: (STUDI PADA USAHA SIMPAN PINJAM OLEH BADAN USAHA MILIK DESA/BUMDES DI PULAU LOMBOK) Embun Suryani; Donny Oktaviansyah; Adi Septiawan
JMM UNRAM - MASTER OF MANAGEMENT JOURNAL Vol. 9 No. 4 (2020): JMM November 2020
Publisher : Master of Management, Mataram University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (901.313 KB) | DOI: 10.29303/jmm.v9i4.583

Abstract

The informal sector in developing countries like Indonesia is able to grow rapidly and is able to absorb labor. However, the ability to access credit is one of the main obstacles for the development and growth of Small and Micro Enterprises (SMEs). Microcredit is characterized with the existence of information asymmetry, for that we need a different approach in distributing financing for SMEs, one of which is to apply the approach lending relationship. The research was conducted at 12 Lembaga Keuangan Mikro (LKM) BUMDes in Lombok. The results indicate that the variable lending relationship positively affects credit approval and the period for credit approval submitted by customers. It means that loan approval and approval timeframes increase with the increase in the intensity of the relationship between LKM BUMDes and micro customers. The interest rate and the application of collateral do not have a positive effect on lending relationships. The implication of these results is to illustrate the intensity of interactions between borrowers and lenders can provide credit access for micro customers. Another implication shows that the microcredit distribution strategy must be carried out by building continuous relationships with customers to reduce the occurrence of information asymmetry in micro-credit distributionKeywords :Asymmetric information, intensity of relationship, interest rate, collateral, micro credit, LKM BUMDes
Co-Authors Adi Pramudita Tjiptadi Adi Septiawan Adriani Gustia Agung Edi Rustanto Damdam Damiyana Embun Suryani Nur Imama Rambat Lupiyoadi Ria Renny Christiana Subagiyo Teddy Setiady