ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENGAMBILAN KREDIT OLEH PELAKU USAHA KECIL MENENGAH DI KABUPATEN SLEMAN (Kasus pada Debitur Bank Umum dan Bank Perkreditan Rakyat)

Ralina, Transistari and Tri Harsini, Wahyuningsih (2013) ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENGAMBILAN KREDIT OLEH PELAKU USAHA KECIL MENENGAH DI KABUPATEN SLEMAN (Kasus pada Debitur Bank Umum dan Bank Perkreditan Rakyat). EFEKTIF Jurnal Bisnis dan Ekonomi, 4 (2). pp. 165-176. ISSN ISSN 2087-1872

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Abstract

This study aims to analyze the factors that impacts the credit taking by SMEs in Sleman region. Analysis was conducted on 136 respondents consisting of 70 customers from BRI Sleman Branch and 66 customers from BPR Danagung Multi. The results show that the factor of interest, collateral, credit nominal, and services impact the credit taking by SMEs in these two banks. The most dominant factor is the interest rate factor. The results turned out differently if the analysis is performed separately between these two banks. For BRI customers, credit nominal factor is not a factor that come into effect, but for BPR Danagung Multi the collateral factor is not an infl uencing factors to the credit taking. Each bank also shows different dominant factor, for BRI the dominant factor is collateral factor, while for BPR Danagung Multi is the interest rate factor.

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