JIA (Jurnal Ilmiah Akuntansi)
Vol 6, No 1: Juni 2021

Determinant Factor of Small Medium Enterprises to Access Bank Credit

Herwiyanti, Eliada (Unknown)
Rafinda, Ascaryan (Unknown)

Article Info

Publish Date
25 Jun 2021


This study aims to identify the determinant factors of bank credit access to small and medium enterprises. As the country's economy's backbone, the facts do not make SMEs free from capital constraints. Although the Government of Indonesia has issued a policy regarding lending through financial institutions, it turns out that this support has not played a significant role in encouraging SMEs to obtain bank credit. This research was conducted in Banyumas Regency, with the research respondents being SMEs who had already received credit. The study results found that financial literacy, credit terms, and quality information accounting affect bank credit access. It is concluded that limited access to bank credit can be improved if SMEs understand financial literacy, credit requirements, and accounting information quality.

Copyrights © 2021

Journal Info





Economics, Econometrics & Finance


Jurnal Ilmiah Akuntansi (JIA) is a journal that is managed and published by Accounting Department, Faculty of Economics, Ganesha University of Education (Undiksha). JIA is published twice a year, in June and December. JIA aims to be a media dissemination of research and thought results in the field ...