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MSMEs Debt Financing Decisions in West Sumatera, Indonesia During Covid-19 Pandemic: MSMEs Debt Financing Decisions in West Sumatera, Indonesia During Covid-19 Pandemic suryani, indah permata
Jurnal Akuntansi dan Governance Andalas Vol. 4 No. 1 (2021): JURNAL AKUNTANSI DAN GOVERNANCE ANDALAS
Publisher : Unand Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jaga.v4i1.58

Abstract

This Paper develops an empirical taxonomy of debt Financing Decisions of MSMES In Padang City by performing a cluster analysis including This literature has shown that one of the problems that often become an obstacle to the development of micro, small, and medium enterprises (SMEs) is very difficult to get access to finance and capital. Eventhough there are several scheme offered by Government to support MSMEs during Pandemi, in the practice for the rural areas. The objective might be not successful. This study will shed the light type of debt financing decisions implement by MSMEs in Padang During pandemic Covid-19. Furthermore, the SME financing can be categorized based on type of the firm including size and profitability. This study is to focusing which type of debt financing decision is utilized by MS in West Sumatera During covid-19 pandemic especially related to bank loans and other schemes provided. To do this MSMEs data from certain Communities in West Sumatera are used. The collecting data process was obtained through online questionnaires distributed to more than 100 MSMEs. The findings from the survey show that the legal type size of the firm influence the decision to apply for debt financing but the age of MSMEs do not affect by the debt financing decision used by MSMEs. Keywords: Debt Financing, Access to Finance, Micro and Small Medium Entreprises
ANALISIS PENGARUH PENDIDIKAN KEWIRAUSAHAAN TERHADAP NIAT BERWIRAUSAHA DI SUMATERA BARAT Danny Hidayat; Indah Permata Suryani
Jurnal Manajemen dan Bisnis Performa Vol. 21 No. 1 (2024)
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v21i1.4088

Abstract

Pendidikan merupakan salah satu faktor yang mungkin dapat meningkatkan keinginan seseorang untuk memulai usaha sendiri. Untuk menganalisis dampak pendidikan kewirausahaan formal, informal, dan nonformal terhadap niat berwirausaha di Sumatera Barat, maka dilakukan penelitian ini. Sebanyak 200 responden yang merupakan pelajar atau calon pemilik perusahaan pada lembaga pendidikan formal, informal, dan nonformal dengan konsentrasi bisnis dan kewirausahaan mengisi kuesioner yang digunakan untuk mengumpulkan data penelitian. Pendidikan formal bagi wirausaha (X1), Pendidikan informal bagi wirausaha (X2), dan Pendidikan nonformal bagi wirausaha (X3) merupakan variabel independen dalam penelitian ini, sedangkan niat berwirausaha (Y1) merupakan variabel dependen. Penelitian ini menggunakan desain penelitian kuantitatif dengan menggunakan sampel penelitian yaitu mahasiswa atau calon pemilik usaha di Sumatera Barat. Perangkat lunak Smart PLS 4.0 digunakan dalam proses analisis data. Temuan penelitian menunjukkan bahwa tiga jenis pendidikan kewirausahaan mempunyai pengaruh positif dan signifikan terhadap niat berwirausaha: pendidikan kewirausahaan nonformal, pendidikan kewirausahaan informal, dan pendidikan kewirausahaan formal.