OKTAVIANTI, VENNY (2017) PENGARUH LITERASI KEUANGAN DAN PERSYARATAN KREDIT TERHADAP AKSES KREDIT FORMAL PADA USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) SURABAYA. Undergraduate thesis, Institut Teknologi Sepuluh Nopember.
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Abstract
Peningkatan Usaha Mikro Kecil Menengah (UMKM) di Indonesia yang begitu pesat mampu mendorong pertumbuhan ekonomi. Adanya kebijakan pemerintah tentang pembiayaan UMKM memotivasi UMKM agar mampu menciptakan sistem pembiayaan yang baik sehingga mempengaruhi kemudahan mengakses kredit. Pada studi literatur disebutkan bahwa mengakses kredit formal merupakan hal penting karena lembaga penyedia kredit formal lebih memiliki ketersediaan dana daripada lembaga penyedia kredit informal. Di beberapa negara berkembang, UMKM mengakses kredit informal karena persyaratan kreditnya lebih mudah daripada persyaratan kredit di lembaga penyedia kredit formal. Akses kredit yang dilakukan pada usaha kecil juga didasari oleh perilaku perbankan dimana perilaku perbankan pemilik UMKM dipengaruhi oleh literasi keuangan. Upaya yang dilakukan Dinas Koperasi dan UMKM dalam meningkatkan literasi keuangan adalah memberikan pelatihan keuangan yang dianalisis efektivitasnya dalam penelitian. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan persyaratan kredit terhadap akses kredit formal serta mengetahui efektivitas pelatihan keuangan yang didapatkan oleh UMKM. Metode dalam penelitian ini adalah regresi linear berganda dan independent sample t test. Sampel penelitian berjumlah 80 responden yang pernah mengakses kredit formal. Simpulan dari penelitian yakni literasi keuangan dan persyaratan kredit berpengaruh positif signifikan terhadap akses kredit formal serta tidak terdapat perbedaan antara kelompok sampel yang pernah dan belum pernah mendapatkan pelatihan keuangan.
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The rapid enhancement of Small and Medium Enterprises (SMEs) in Indonesia are able to boost economic growth. There are policies that related to SME’s financing, which can motivate SMEs to be able to create a comprehensive financing system that affect an easy accessibility credit. Literature study said that access to formal credit is an important thing because formal credit institutions have more funds than informal credit institutions. In some developing countries, SMEs access the informal credit because the credit requirement is easier than a credit requirement in formal credit institutions. Access to credit by SMEs are based on the banking behavior which affected by financial literacy. Dinas Koperasi dan UMKM do some financial training which will be analyzed the effectiveness in this research. This study aims to determine the effect of financial literacy and credit requirements for accessibility of formal credit and the effectiveness of financial training obtained by SMEs. The method used in this research is multiple linear regression and independent sample t test. Samples on this research are 80 respondents who have access to credit at a formal financial institution. The finding of this study shows that the financial literacy and credit requirements have a significant positive effect on access to formal credit and there were no differences between groups who had received and had not received financial training.
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Uncontrolled Keywords: | akses kredit formal, literasi keuangan, Usaha Kecil Mikro dan Menengah (UMKM), persyaratan pinjaman, regresi linear berganda, credit access, financial literacy, multiple linear regression, Small Management Enterprise, terms of loan. |
| Subjects: | H Social Sciences > HG Finance |
| Divisions: | Faculty of Industrial Technology > Business Management |
| Depositing User: | VENNY OKTAVIANTI - |
| Date Deposited: | 23 Feb 2017 03:20 |
| Last Modified: | 05 Mar 2019 03:51 |
| URI: | http://repository.its.ac.id/id/eprint/1753 |
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