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All Journal Adi Widya : Jurnal Pengabdian Masyarakat (JRAMB) Jurnal Riset Akuntansi Mercu Buana Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences juremi: jurnal riset ekonomi Jurnal Abdi Masyarakat Multidisiplin Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia Jurnal Kabar Masyarakat Jurnal Pengabdian Kepada Masyarakat Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Alkhidmah: Jurnal Pengabdian dan Kemitraan Masyarakat Aspirasi : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat Mengabdi: Jurnal Hasil Kegiatan Bersama Masyarakat JER Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital
Ratri Paramitalaksmi
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Financial Literacy and Loan Terms Affect Msme Formal Credit Access Nugraeni Nugraeni; Ratri Paramitalaksmi; Zaenal Wafa; Kiki Saputri
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 6, No 1 (2023): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v6i1.7433

Abstract

The rapid increase in Micro, Small and Medium Enterprises (MSMEs) in Indonesia is able to encourage economic growth. The existence of government policies on financing Micro, Small and Medium Enterprises (MSMEs) motivates Micro, Small and Medium Enterprises (MSMEs) entrepreneurs to be able to create a good financing system so as to affect the ease of accessing credit.  Ease of access to formal credit is important because formal credit providers have more availability of funds than informal credit providers. Access to formal credit carried out on Micro, Small and Medium Enterprises (MSMEs) is also based on the banking behavior of Micro, Small and Medium Enterprises (MSMEs) entrepreneurs who are influenced by financial literacy.  Various efforts made by the Office of Cooperatives and MSMEs of Sleman Regency, Yogyakarta Special Region, Indonesia in improving financial literacy include providing financial training that is analyzed for effectiveness in research.  This study aims to determine the effect of financial literacy and credit requirements on access to formal credit by Micro, Small and Medium Enterprises (UMKM) in Sleman Regency, Yogyakarta Special Region, Indonesia. The method used in this study is a regression test.  The results of this study show that financial literacy and credit requirements can affect access to formal credit by Micro, Small and Medium Enterprises (MSMEs) in Sleman Regency, Yogyakarta Special Region.
Co-Authors Agum Panji Kusumo Aninda Ira Musikawati Emerenciana Hoar Seran Indah Susilawati Kiki Saputri Lukas Kopong Tukan Maharani, Violinda Sinta Naning Rum, Nur Nugraeni Nugraeni Nuraini, Riana Ike Nurkhasanah, Septhia Fadhilla Puteri Oktatia Harum Rani Titi Rohmani Sindi Amelia Wulandari, Silvi Sri Zaenal Wafa