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All Journal International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) Jeinsa : Jurnal Ekonomi Ichsan Sidenreng Rappang
Yahya Yahya
Universitas Ichsan Sidenreng Rappang
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Addressing the Anxiety Surrounding Loans and Mitigating Capital Deficiencies for MSME Advancement Jumriah Basri; Suriadi Suriadi; Amrizal Salida; Yahya Yahya; A. Kartini Sari Putri D
International Journal of Management, Entrepreneurship, Social Science and Humanities Vol. 8 No. 2 (2025): January - June Volume
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmesh.v8i2.2854

Abstract

The critical role of Micro, Small, and Medium Enterprises (MSMEs) in driving economic growth and fostering social stability is well-recognized globally. These enterprises are the backbone of economies, contributing significantly to employment creation, innovation, and equitable income distribution. However, despite their potential, MSMEs face persistent challenges that hinder their growth and sustainability, with access to capital and loan-related anxieties standing out as primary barriers. This study aims to identify the factors that cause anxiety of Micro, Small, and Medium Enterprises (MSME) about capital loans and develop strategies to mitigate capital shortages to encourage the progress of MSMEs. This research employed a qualitative approach involving in-depth interviews with ten microenterprise actors engaged in beverage sales in Pangkajenne City. The participants were selected based on specific criteria: they had been operating for a minimum of one year, offered a diverse range of beverage products, and reported experiencing anxiety related to the need for capital. Research has found that loan-related anxiety is mainly caused by uncertainty of returns, ignorance of loan terms, and social stigma related to default. On the other hand, mitigation strategies such as financial literacy training, simplification of the loan application process, and access to flexible microfinance schemes have proven effective in reducing the concerns of MSME actors. This study was limited to a sample of MSMEs in specific regions and did not cover all business sectors. In addition, this study must discuss in depth the influence of macroeconomic factors on MSME capital access. This research provides valuable insights into the relationship between loan anxiety and capital shortages and offers relevant mitigation strategies. The results of this study enrich the literature on MSME financial management, especially in the context of developing countries. This study combines the perspectives of MSME actors and financial service providers to understand the dynamics of loan-related anxiety, which has been previously underexplored in the literature.
PENGARUH PEMBERIAN KREDIT USAHA RAKYAT (KUR) TERHADAP PENINGKATAN PENDAPATAN PETANI PADA PT. BANK RAKYAT INDONESIA (PERSERO) TBK. UNIT BARANTI Andi Febrya Rifai; Romy Nugraha JS; Yahya Yahya
Jurnal Ekonomi Ichsan Sidenreng Rappang Vol 5 No 1 (2026): hal
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jeinsa.v5i1.519

Abstract

This study aims to determine the effect of the People’s Business Credit (KUR) program on increasing farmers’ income at PT. Bank Rakyat Indonesia (Persero) Tbk. Baranti Branch. The background of this study stems from the phenomenon that, although KUR disbursements continue to increase every year, their impact on farmers’ income still varies significantly in the field. This study employs a quantitative approach using a survey method. The population consisted of 735 KUR recipient farmers at BRI Baranti Unit, from which 88 respondents were selected using the Slovin formula. Data were collected via a questionnaire and analyzed using simple linear regression. The results indicate that all research instruments were found to be valid and reliable, the regression model met all classical assumption test requirements, and the provision of KUR was proven to have a positive and significant effect on increasing farmers’ income in Baranti Subdistrict, contributing 22.8% to the variation in farmers’ income. These findings indicate that the KUR program plays a strategic role as a financing instrument capable of driving the growth of farming businesses and strengthening farmers’ working capital in the region.
Co-Authors A. Kartini Sari Putri D AMRIZAL SALIDA Andi Febrya Rifai Jumriah Basri Romy Nugraha Suriadi