JSEH (Jurnal Sosial Ekonomi dan Humaniora)
Vol 5, No 2 (2019): JURNAL SOSIAL EKONOMI DAN HUMANIORA

Akses Usaha Kecil dan Mikro (UKM) terhadap Kredit Usaha Rakyat (KUR) dan Dampaknya terhadap Perkembangan Usaha: Kasus UKM di Kota Mataram

Suryani, Embun Suryani (Unknown)
Wahyulina, Sri (Unknown)
Hidayati, Siti Aisyah (Unknown)



Article Info

Publish Date
30 Dec 2019

Abstract

Small and Micro Enterprises (SMEs) have a significant role for Indonesia's gross domestic product and employment. However, most SMEs face capital constraints and limited access to formal financial institutions. Kredit Usaha Rakyat (KUR) Fund is one of the credit programs established by the Indonesian Government to overcome capital constraints on SMEs. The study aims to analyze the ability of SMEs to access the KUR loans and the loan’s impact on business development. Primary data was obtained from interviews of 40 respondents who are SMEs in Mataram City. Ability to access the KUR loans was analyzed by logistic regression method while Ordinary Least Square (OLS) was employed to analyze the impact of KUR loans on business development. The result of logit regression shows that the variable of savings and sales influence the ability of SME to access the KUR loan. The KUR funds granted are able to increase SME's sales value by 82.03 percent from 3.47 billion rupiah to 6.31 billion rupiah per year. Based on the OLS analysis, the ability of SMEs to access capital derived from KUR funds has a positive and significant impact on the value of SME business development

Copyrights © 2019






Journal Info

Abbrev

jseh

Publisher

Subject

Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

Description

Jurnal Sosial Ekonomi dan Humaniora (JSEH) adalah jurnal akademik direview dengan sistem peer review yang terbit setiap enam bulan sekali, pertama kali terbit pada tahun 2015 di Lembaga Penelitian Universitas Mataram. Jurnal ini diterbitkan dalam Bahasa Indonesia dan Bahasa Inggris serta memberikan ...