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All Journal (JRAMB) Jurnal Riset Akuntansi Mercu Buana Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) juremi: jurnal riset ekonomi TEKIBA : Jurnal Teknologi dan Pengabdian Masyarakat Aptekmas : Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian kepada Masyarakat Indonesia (JPKMI) NUSANTARA: Jurnal Pengabdian Kepada Masyarakat Jurnal Informasi Pengabdian Masyarakat Jurnal Pengabdian Bersama Masyarakat Indonesia Masip: Jurnal Manajemen Administrasi Bisnis dan Publik Terapan Jurnal Akuntan Publik Akuntansi: Jurnal Riset Ilmu Akuntansi Jurnal Pengabdian Masyarakat Nian Tana Mengabdi: Jurnal Hasil Kegiatan Bersama Masyarakat El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Harmoni Sosial : Jurnal Pengabdian Dan Solidaritas Masyarakat Journal of Ekonomics, Finance, and Management Studies
Zaenal Wafa
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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 Ahmad Shodikin Andini Nurmalia Putri Ansgarius Umbu Kabalu Fajar Kurnianto Isdyantanti, Nisa Kiki Saputri Lorin Eldania Putri Maria Goreti Kewa Lisa Monika Monika Ni Kadek Frischa Devi Marchaeni Nova Astriana Lestari Nugraeni Nugraeni Nur Hanifatur Rohmah Nurviani Solichah Ratri Paramitalaksmi Rezzi Hidayati Ria Pisensa Br Sembiring Rista Arimby Roma Nanda Aprina Pardede Sefica Putri Adelia Siprianus, Febriana Lengi Tassya Anggriyani Vira Aulia Wulan Intan Ihatal Janah Zainnita Julia Qhoirunnisa