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Determinant of micro, small and medium enterprises on carrying out a credit loan in Jambi Province

Jurnal Perspektif Pembiayaan dan Pembangunan Daerah · Vol. 6 No. 6 (2019) · hlm. 679–690

DOI
10.22437/ppd.v6i6.6913
ISSN
2355-8520, 2338-4603
Terbit
2019-07-10
Penerbit
Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

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.

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  • State University of Semarang
  • Sriwijaya University
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Subyantoro SubyantoroAfiliasi tidak diketahui9
Rafiqi RafiqiAfiliasi tidak diketahui6
Sri RahayuAfiliasi tidak diketahui6
Rustono RustonoAfiliasi tidak diketahui5
JUNAIDI JUNAIDIAfiliasi tidak diketahui5
Hardiani HardianiAfiliasi tidak diketahui5
Ade OctaviaAfiliasi tidak diketahui4
Paulina LubisAfiliasi tidak diketahui4
Tri Imam MunandarAfiliasi tidak diketahui4
Heriberta HeribertaAfiliasi tidak diketahui4
Erni AchmadAfiliasi tidak diketahui4
Amril AmrilAfiliasi tidak diketahui4
Rahma NurjanahAfiliasi tidak diketahui4
Hari Bakti MardikantoroAfiliasi tidak diketahui3
Imam BaehaqieAfiliasi tidak diketahui3
Dheny WahyudiAfiliasi tidak diketahui3
Enggar Diah Puspa ArumAfiliasi tidak diketahui3
Nurhayani NurhayaniAfiliasi tidak diketahui3
Bambang HartonoAfiliasi tidak diketahui2
Mijil SetyasihAfiliasi tidak diketahui2
Agus NuryatinAfiliasi tidak diketahui2
Nas Haryati SetyaningsihAfiliasi tidak diketahui2
Fathur RokhmanState University of Semarang2
Teguh SupriyantoAfiliasi tidak diketahui2
Erida EridaAfiliasi tidak diketahui2
Yayuk SriayudhaAfiliasi tidak diketahui2
Erwin ErwinSriwijaya University2
Andi NajemiAfiliasi tidak diketahui2
Afrizal AfrizalAfiliasi tidak diketahui2
Siti HodijahAfiliasi tidak diketahui2
Zulgani ZulganiAfiliasi tidak diketahui2
Syaparuddin SyaparuddinAfiliasi tidak diketahui2
Rosmeli RosmeliAfiliasi tidak diketahui2
Candra MustikaAfiliasi tidak diketahui2
Dearmi ArtisAfiliasi tidak diketahui2
Rike SetiawatiAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/JES/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 6 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Determinant of micro, small and medium enterprises on carrying out a credit loan in Jambi Province</dc:title>
	<dc:creator xml:lang="en">Umiyati, Etik</dc:creator>
	<dc:creator xml:lang="en">Amir, Amri</dc:creator>
	<dc:creator xml:lang="en">Haryadi, Haryadi</dc:creator>
	<dc:creator xml:lang="en">Zulfanetti, Zulfanetti</dc:creator>
	<dc:description xml:lang="en">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.</dc:description>
	<dc:publisher xml:lang="en">Program Magister Ilmu Ekonomi  Pascasarjana Universitas Jambi</dc:publisher>
	<dc:date>2019-07-10</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://online-journal.unja.ac.id/JES/article/view/6913</dc:identifier>
	<dc:identifier>10.22437/ppd.v6i6.6913</dc:identifier>
	<dc:source xml:lang="en">Jurnal Perspektif Pembiayaan dan Pembangunan Daerah; Vol. 6 No. 6 (2019): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah; 679 - 690</dc:source>
	<dc:source>2355-8520</dc:source>
	<dc:source>2338-4603</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://online-journal.unja.ac.id/JES/article/view/6913/6141</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2019 Etik Umiyati, Amri Amir, Haryadi Haryadi, Zulfanetti Zulfanetti</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>