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All Journal Indonesian Journal of Geography Tekno - Pedagogi : Jurnal Teknologi Pendidikan Media Komunikasi Geografi Jurnal Kawistara : Jurnal Ilmiah Sosial dan Humaniora Majalah Geografi Indonesia Gadjah Mada International Journal of Business Jurnal Populasi Forum Geografi Jurnal Biometrika dan Kependudukan (Journal of Biometrics and Population) JPG (Jurnal Pendidikan Geografi) Vidya Karya Jurnal Geografi, Edukasi dan Lingkungan Politik Indonesia: Indonesian Political Science Review Jurnal Ilmiah Mandala Education (JIME) Jurnal Perencanaan Pembangunan JIHAD : Jurnal Ilmu Hukum dan Administrasi Jurnal Kependudukan Indonesia Salus Cultura: Jurnal Pembangunan Manusia dan Kebudayaan GEOGRAPHIA: Jurnal Pendidikan dan Penelitian Geografi Jurnal Multidisiplin Madani (MUDIMA) Jurnal Pengabdian Mandiri Berita Kedokteran Masyarakat Prosiding University Research Colloquium ELPOSYS: Jurnal Sistem Kelistrikan Asian Journal of Social and Humanities Jurnal Pengabdian Kepada Masyarakat Jurnal Kawistara
Sukamdi
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Journal : Asian Journal of Social and Humanities

 1 
Evaluating Microcredit: Effects of the 5Cs of Credit Analysis and Entrepreneur Characteristics on Loan Performance among MSMEs in Yogyakarta Joenoes, Kartini Sally Hb; Sugiyanto, Catur; Sukamdi, Sukamdi; Moeljono, Djokosantoso
Asian Journal of Social and Humanities Vol. 3 No. 7 (2025): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v3i7.546

Abstract

Micro, small, and medium enterprises (MSMEs) have a significant role in the national economy, creating jobs opportunities, increasing Gross Domestic Product (GDP), and promoting credit stability during times of crisis. However, MSMEs frequently face obstacles when attempting to access financial resources. Although the Indonesia government has implemented several measures to support MSMEs, such as the credit relaxation policy, the risk of loan non-performance loan remains tangible. This study seeks to identify the dominant factors underpinning MSMEs' failure to repay their loans focusing on 5Cs of credit analysis and characteristics of individual entrepreneurs. This study finds that the principles identified in the 5Cs of credit analysis are significantly and negatively correlated with non-performing loans, while the characteristics of individual entrepreneurs is not significantly correlated. Of the 5Cs of credit analysis, capacity and collateral are identified as the most determinant factors behind non-performing loans, though this finding differs from those of several previous studies. Meanwhile this study provides important insight which will enable the banking industry and policymakers to mitigate the credit risks experienced by MSMEs and promote the future sustainability of this sector.
Co-Authors Abdur Rofi Ade Ermasari Agus Andrianto Agus Heruanto Hadna Agus Heruanto Hadna Agus Joko Pitoyo Al Azizah, Rohil Alfana, Muhammad Arif Fahrudin Alia Fajarwati Armansyah Armansyah Aryati, Seri Awan Setiawan Bakti Indra Kurniawan C. Wiharya Catur Sugiyanto Choirul Amin Choirul Amin Denkovski, Viktor Dewi H. Susilastuti Dimas Eriyanto Dinda Ayu Amalia Djokosantoso Moeljono, Djokosantoso Dyah Rahmawati Hizbaron Dyah Widyastuti Faturochman Faturochman Fransisca Yuli Astuti Gunawan Wibisono Helly Prajitno Soetjipto, Helly Prajitno Idris Ihwanudin Imron Ridzki Indra Bastian Isnaeni, MH. Izzatul Arifah Jenri Panjaitan Joenoes, Kartini Sally Hb Josaphat Tetuko SriSumantyo Joto, Ruwah L. Hakim Laili Rahayuwati Lepik, Aira Mas'oed, Mochtar Milzam Brillian Santana Mochammad Mieftah Muhadjir Darwin Muhadjir Darwin Muhadjir Darwin Muhadjir Darwin Muhajir Darwin Muhajir Darwin Muhajir Darwin Muhajir Darwin, Muhajir Muhammad Fahmi Hakim Mulyani, Wiwik Puji Muntiyah Muntiyah Mustafa Elnagi Elsamani Hassan Nindya Riana Sari Norma Yuni Kartika Norma Yuni Kartika Norma Yuni Kartika Norma Yuni Kartika Norma Yuni Kartika, Norma Yuni Novfowan, Anang Dasa Nuraini Nuraini Pinta Rachmadani Putri, Ratih Fitria R. Rijanta Rahmad Dwi Pramudya Rahman Azis Prasojo Rahmania Putri Yulissa Reni Pebrianti Rika Harini Rina Herartri Rindang Ekawati Risky Primastuti Ronilaya, Ferdian S. Djulihenanto S.L. Hermawan Salman Al Farisi, Salman Seri Aryati Seri Aryati Setiadi Setiadi Siswanto Agus Wilopo Slamet Nurhadi Sofian Effendi Sonyaruri Satiti Ruri Suci Iriani Sinuraya Sungkowo, Heri Susi Eja Yuarsi Susilo Sutjipto, Rachmat Tukiran Tukiran Umi Listyaningsih Umi Listyaningsih Wini Tamtiari Yeremias T Keban Yuni Hastuti