FAKTOR-FAKTOR YANG MEMPENGARUHI PENGEMBALIAN PEMBIAYAAN KREDIT WIBAWA PADA USAHA MIKRO, KECIL, DAN MENENGAH DI KOTA SEMARANG
Dublin Core
Title
FAKTOR-FAKTOR YANG MEMPENGARUHI PENGEMBALIAN PEMBIAYAAN KREDIT WIBAWA PADA USAHA MIKRO, KECIL, DAN MENENGAH DI KOTA SEMARANG
Subject
loan, credit, return, logistic regression
Description
Micro, Small and Medium Enterprises (MSMEs)
sectors have an important role in economic development. In general, the problems faced by MSMEs in Semarang are business problem, where micro and small traders do not have sufficient capital to run and manage their business activities. The Semarang City Government, through the Office of Cooperatives and Micro Businesses, has provided Wibawa Credit or Credit Wirausaha Bangkit Jadi Juwara. Wibawa Credit is provided with low interest and without collateral. The large opportunity of the distribution of Wibawa Credit certainly also enlarges the opportunity of returning loans that are not smooth or bad credit. The aim of this research is to analyze the factors that influence the smoothness return of Wibawa Credit financing to micro, small and medium enterprises (MSMEs) in Semarang. This research used nonprobability sampling with the Slovin calculation. The primary data was collected by using questionnaire collection method towards 88 respondents who received microcredit from Wibawa Credit that is provided by Semarang City Government. The respondents consist of 44 respondents representing smooth repayment
loansand 44 respondents representing the subpopulation that were not smooth inrepaying loans. The analytical method used in this research
is binary logistic regression. The result showed that
variables of age, level of education, and family size
are insignificantly in influencing the smoothness return of Wibawa kredit. Variabel business experience is a significantly and positive influence the smoothness return of Wibawa kredit, while variabel turnover and the loan amount are significantly and negative influence the smoothness return of Wibawa kredit.
sectors have an important role in economic development. In general, the problems faced by MSMEs in Semarang are business problem, where micro and small traders do not have sufficient capital to run and manage their business activities. The Semarang City Government, through the Office of Cooperatives and Micro Businesses, has provided Wibawa Credit or Credit Wirausaha Bangkit Jadi Juwara. Wibawa Credit is provided with low interest and without collateral. The large opportunity of the distribution of Wibawa Credit certainly also enlarges the opportunity of returning loans that are not smooth or bad credit. The aim of this research is to analyze the factors that influence the smoothness return of Wibawa Credit financing to micro, small and medium enterprises (MSMEs) in Semarang. This research used nonprobability sampling with the Slovin calculation. The primary data was collected by using questionnaire collection method towards 88 respondents who received microcredit from Wibawa Credit that is provided by Semarang City Government. The respondents consist of 44 respondents representing smooth repayment
loansand 44 respondents representing the subpopulation that were not smooth inrepaying loans. The analytical method used in this research
is binary logistic regression. The result showed that
variables of age, level of education, and family size
are insignificantly in influencing the smoothness return of Wibawa kredit. Variabel business experience is a significantly and positive influence the smoothness return of Wibawa kredit, while variabel turnover and the loan amount are significantly and negative influence the smoothness return of Wibawa kredit.
Creator
Levila Seka Mahira, Fitrie Arianti
Source
http://jam.stieykpn.ac.id/index.php/jam/issue/view/133
Publisher
STIE YKPN Yogyakarta
Date
Desember 2020
Contributor
Sri Wahyuni
Rights
P ISSN 2621-7031
E ISSN 2621-704X
E ISSN 2621-704X
Format
PDF
Language
Indonesian
Type
Text
Coverage
Jurnal Akuntansi dan Manajemen STIE YKPN Yogyakarta 2020
Files
Collection
Citation
Levila Seka Mahira, Fitrie Arianti, “FAKTOR-FAKTOR YANG MEMPENGARUHI PENGEMBALIAN PEMBIAYAAN KREDIT WIBAWA PADA USAHA MIKRO, KECIL, DAN MENENGAH DI KOTA SEMARANG,” Repository Horizon University Indonesia, accessed March 14, 2025, https://repository.horizon.ac.id/items/show/5696.