Formosa Journal of Sustainable Research (FJSR)
Vol. 2 No. 12 (2023): December, 2023

Analysis of Credit Utilization Among Street Vendors in Ruteng City

Felisia Saron Tjengga (Universitas Nusa Cendana Kupang)
Fransina W. Ballo (Universitas Nusa Cendana Kupang)
Maria Indriyani Hewe Tiwu (Universitas Nusa Cendana Kupang)



Article Info

Publish Date
28 Dec 2023

Abstract

The purposive of this research is to determine the use of credit taken by street vendors in Ruteng city which they take from BRI bank and to find out the reasons they take credit from BRI bank. The method for determining the research informants uses a purposive method. The data collection methods used consisted of: interviews, and observations and documents. The data analysis used is descriptive analysis with a qualitative approach. The object of this research is the use of credit by street vendors in the city of Ruteng around the location of the Ruteng Regional Hospital and UNIKA Santu Paulus Ruteng. These utilization interests are divided into 3 interests, namely for production, consumption and investment purposes. First, for production purposes, namely to fulfill and increase business capital for trading, a means to make business activities smoother and business performance better than before, expanding business and work opportunities. Second, for consumption purposes, namely meeting personal consumption needs such as paying children's school fees, house rental costs, house renovation costs. Third, for investment purposes, namely to buy jewelry and buy a motorbike

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Journal Info

Abbrev

fjsr

Publisher

Subject

Computer Science & IT Decision Sciences, Operations Research & Management Education Industrial & Manufacturing Engineering Social Sciences

Description

Formosa Journal of Sustainable Research (FJSR) is an open access and peer-reviewed journal, published by Formosa Publisher. FJSR aims to be a dissemination platform for research result from multidisciplinary research that covers the wide spectrum of research field such as education, including ...