以印度尼西亚日惹市为例，社会经济因素影响着为小企业家提供信贷的决定

IF 0.6 Q2 Social Sciences

Economic Annals-XXI Pub Date : 2022-10-29 DOI:10.21003/ea.v199-02

Any Agus Kana, Hari Nurweni, Yunita Anggarini, Jumintono, Retno Hartati

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引用次数: 0

摘要

该研究旨在找出影响小企业向银行贷款决策的社会经济因素。本研究是一项定量研究，使用二元逻辑回归与累积分布函数(CDF)来确定信贷决策与影响因素之间的关系形式。数据是通过调查问卷收集的，调查对象是来自五个行业的130名企业家——小型持牌企业的代表。样本采用分层随机抽样。结果表明，影响银行信贷决策的显著因素有性别、受教育程度、服务市场、行业和担保品。结论是，世界银行和日惹政府可以采用鼓励企业家愿意从银行获得信贷资源的机制。

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Socio-economic factors influencing the decision to take credit for small entrepreneurs on the example of Yogyakarta city in Indonesia

The study aims to figure out the socio-economic factors influencing the decision to take credit from banks by small entrepreneurs. This research is a quantitative study and uses binary logistic regression with the Cumulative Distribution Function (CDF) to determine the form of relationship between the decision to take credit with the influencing factor. Data was collected with questionnaire from 130 entrepreneurs-representatives of small licensed business from five industries in 2022. The samples were taken in stratified random sampling. The results showed that the significant factors which affect the decision to take bank credit were gender, education level, markets served, industry, and collateral. It is concluded that the Bank and the Government of Yogyakarta could introduce the mechanisms which encourage entrepreneurs to be willing to access credit resources from the banks.

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来源期刊

Economic Annals-XXI ECONOMICS-

CiteScore

1.50

自引率

0.00%

发文量

期刊介绍： The Economic Annals-XXI Journal – recognized in Ukraine and abroad scientific-analytic edition. Scientific articles of leading Ukrainian and other foreign scientists, postgraduate students and doctorates, deputies of Ukraine, heads of state and local authorities, materials of scientific conferences and seminars; reviews on scientific monographs, etc. are regularly published in this Journal.