PENGARUH PENGALAMAN, PENDAPATAN, WAKTU, LAMA USAHA TERHADAP REALISASI KUR MIKRO

  • reni jasmin Ardiana Indradiartha Universitas Doktor Nugroho Magetan
Keywords: People’s Business Credit (KUR), MSMEs, Micro Credit, Agribusiness

Abstract

MSMEs have become an important part of the economic system in Indonesia. However, As a majority of businesses, they has limited "accessibility" to capital, especially credit from bank institutions.This obstacle makes the government provide credit guarantees through the People's Business Credit (KUR) Micro. The aim of this study was to analyze the effect of credit experience, net income, time period and business experience on the number of realization Micro KUR in agribusiness sector. The research method used is analytical descriptive and purposive sampling. The type of data used is primary data collected from 55 respondents using a questionnaire. The analytical method used is econometric analysis with OLS Multiple Linear Regression models. The conclusion of the research is credit experience, net income, time period, and business experience have a significant effect on the number of realization micro KUR in agribusiness sector. This research is expected to provide input for the government in developing MSMEs so that their accessibility to banks can be optimized.

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Published
2019-12-01
How to Cite
Ardiana Indradiartha, reni jasmin. (2019). PENGARUH PENGALAMAN, PENDAPATAN, WAKTU, LAMA USAHA TERHADAP REALISASI KUR MIKRO. Eduscotech, 1(1), 146-163. Retrieved from https://journal.udn.ac.id/index.php/eduscotech/article/view/21