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All Journal East Java Economic Journal
Muhammad Firdaus Nur Ananda
Universitas Airlangga
Economics, Econometrics & Finance Social Sciences

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Determinants of Credit Decision Making by Micro Enterprises in Surabaya Muhammad Firdaus Nur Ananda; Shochrul Rohmatul Ajija
East Java Economic Journal Vol. 5 No. 1 (2021)
Publisher : Kantor Perwakilan Bank Indonesia Provinsi Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (557.956 KB) | DOI: 10.53572/ejavec.v5i1.57

Abstract

This study aims to see how financial literacy factors and business cycle conditions and other variables affect the decision of micro-entrepreneurs in Surabaya to apply for credit. In total of 450 micro-entrepreneurs in Surabaya were sampled in this study. Retrieval of data using the Non-Probability Sampling method, which is a sampling technique in which all members of the population do not have the same opportunity to become research samples. Based on the results of the analysis, it shows that together all independent variables have an influence on the dependent variable, the credit decision. Furthermore, business cycle conditions, collateral ownership, and government policies have a positive and partially significant effect on credit decisions.
Co-Authors Shochrul Rohmatul Ajija