Determinant of micro, small and medium enterprises on carrying out a credit loan in Jambi Province
This study aims to analyze the determinant of micro, small and medium enterprises (MSMEs) on carrying out a credit loan. Primary data has been used in the analysis. The population in this study were all MSMEs in Jambi Province. Samples were taken by purposive random sampling. Total sample are 276 co...
| Main Authors: | , , , |
|---|---|
| Format: | Article |
| Language: | English |
| Published: |
Master Program in Economics, Graduate Program of Universitas Jambi
2019-07-01
|
| Series: | Jurnal Perspektif Pembiayaan dan Pembangunan Daerah |
| Subjects: | |
| Online Access: | https://online-journal.unja.ac.id/JES/article/view/6913 |
| _version_ | 1811228859072249856 |
|---|---|
| author | Etik Umiyati Amri Amir Haryadi Haryadi Zulfanetti Zulfanetti |
| author_facet | Etik Umiyati Amri Amir Haryadi Haryadi Zulfanetti Zulfanetti |
| author_sort | Etik Umiyati |
| collection | DOAJ |
| description | This study aims to analyze the determinant of micro, small and medium enterprises (MSMEs) on carrying out a credit loan. Primary data has been used in the analysis. The population in this study were all MSMEs in Jambi Province. Samples were taken by purposive random sampling. Total sample are 276 consisting of 163 MSMEs actors who took credit and 113 MSMEs actors who did not take credits. To analyze the factors that influence the taking of credits, a binary logit model is used. The dependent variable is the taking of credits, while the independent variables are household characteristics and individual characteristics of MSMEs actors. The results showed that the factors significantly affected the MSMEs on taking credit were the side job variables, working hours, working partners, gender, education, long established business, household expenses and account ownership. |
| first_indexed | 2024-04-12T10:03:24Z |
| format | Article |
| id | doaj.art-9a03431705c248bdbd8f40c4b8c84333 |
| institution | Directory Open Access Journal |
| issn | 2338-4603 2355-8520 |
| language | English |
| last_indexed | 2024-04-12T10:03:24Z |
| publishDate | 2019-07-01 |
| publisher | Master Program in Economics, Graduate Program of Universitas Jambi |
| record_format | Article |
| series | Jurnal Perspektif Pembiayaan dan Pembangunan Daerah |
| spelling | doaj.art-9a03431705c248bdbd8f40c4b8c843332022-12-22T03:37:30ZengMaster Program in Economics, Graduate Program of Universitas JambiJurnal Perspektif Pembiayaan dan Pembangunan Daerah2338-46032355-85202019-07-016667969010.22437/ppd.v6i6.69136913Determinant of micro, small and medium enterprises on carrying out a credit loan in Jambi ProvinceEtik Umiyati0Amri Amir1Haryadi Haryadi2Zulfanetti Zulfanetti3Development Economics Department, Faculty of Economics and Business, Universitas Jambi, IndonesiaDevelopment Economics Department, Faculty of Economics and Business, Universitas Jambi, IndonesiaDevelopment Economics Department, Faculty of Economics and Business, Universitas Jambi, IndonesiaDevelopment Economics Department, Faculty of Economics and Business, Universitas Jambi, IndonesiaThis study aims to analyze the determinant of micro, small and medium enterprises (MSMEs) on carrying out a credit loan. Primary data has been used in the analysis. The population in this study were all MSMEs in Jambi Province. Samples were taken by purposive random sampling. Total sample are 276 consisting of 163 MSMEs actors who took credit and 113 MSMEs actors who did not take credits. To analyze the factors that influence the taking of credits, a binary logit model is used. The dependent variable is the taking of credits, while the independent variables are household characteristics and individual characteristics of MSMEs actors. The results showed that the factors significantly affected the MSMEs on taking credit were the side job variables, working hours, working partners, gender, education, long established business, household expenses and account ownership.https://online-journal.unja.ac.id/JES/article/view/6913MSMEscredithousehold characteristicbinary logit |
| spellingShingle | Etik Umiyati Amri Amir Haryadi Haryadi Zulfanetti Zulfanetti Determinant of micro, small and medium enterprises on carrying out a credit loan in Jambi Province Jurnal Perspektif Pembiayaan dan Pembangunan Daerah MSMEs credit household characteristic binary logit |
| title | Determinant of micro, small and medium enterprises on carrying out a credit loan in Jambi Province |
| title_full | Determinant of micro, small and medium enterprises on carrying out a credit loan in Jambi Province |
| title_fullStr | Determinant of micro, small and medium enterprises on carrying out a credit loan in Jambi Province |
| title_full_unstemmed | Determinant of micro, small and medium enterprises on carrying out a credit loan in Jambi Province |
| title_short | Determinant of micro, small and medium enterprises on carrying out a credit loan in Jambi Province |
| title_sort | determinant of micro small and medium enterprises on carrying out a credit loan in jambi province |
| topic | MSMEs credit household characteristic binary logit |
| url | https://online-journal.unja.ac.id/JES/article/view/6913 |
| work_keys_str_mv | AT etikumiyati determinantofmicrosmallandmediumenterprisesoncarryingoutacreditloaninjambiprovince AT amriamir determinantofmicrosmallandmediumenterprisesoncarryingoutacreditloaninjambiprovince AT haryadiharyadi determinantofmicrosmallandmediumenterprisesoncarryingoutacreditloaninjambiprovince AT zulfanettizulfanetti determinantofmicrosmallandmediumenterprisesoncarryingoutacreditloaninjambiprovince |