Determinants Of The Decision to Grant KUR to MSMEs in Malang City in 2022

Riyanto Dwi Feri(1*), Naufal Dzakwana Muhammad(2), Fina Rosyada(3),

(1) UIN Malang
(2) Universitas Islam Negeri Maulana Malik Ibrahim Malang
(3) UIN Malang
(*) Corresponding Author

Abstract


Provision of People's Business Credit (KUR) to MSMEs facilitates business development. However, in providing KUR, banks must not ignore KUR distribution because banks are very careful in this regard to avoid unwanted things such as default or bad credit. Several factors must be considered by banks when offering KUR. This study aims to identify the determinants of KUR granting to MSMEs in the city of Malang. Respondents in this study were business entities or MSME owners in Malang City. This study uses the variables income, age of business, security, education, financial reports and cultural characteristics. The type of research used is mixed methods. Logistic regression analysis was used to test the hypothesis of this study. Based on the results of the study it is known that income has a positive and significant effect on the decision to grant KUR. Business age has a negative and significant effect on the decision to grant KUR. insurance and education do not affect the decision to grant KUR. Financial statements have a positive and significant effect on the decision to grant KUR. Cultural characteristics have a positive and significant effect on the decision to grant KUR.

Keywords


income; business age; financial statements; cultural characteristics; guarantees; education

Full Text:

PDF

References


Adeosun, O. T., Shittu, A. I., & Ugbede, D. (2023). Disruptive financial innovations: the case of Nigerian micro-entrepreneurs. Journal of Business and Socio-Economic Development, 3(1), 17–35. https://doi.org/10.1108/jbsed-01-2021-0006

Alktrani, S. H. M., & Abbas, A. N. (2021). The Impact of Financial Depth Indicators on Economic Growth of Iraqi Banking Sector: An Analytical Study. Turkish Journal of Computer and Mathematics Education, 12(7), 3352–3363.

Anggraini, S. D., & Widyastuti, I. (2020). Pengaruh Konsep 5C Terhadap Keputusan Pemberian Kredit Pada Unit Usaha Simpan Pinjam Kud Karya Mukti Kuamang Kuning Muara Bungo. Business Management Analysis Journal (BMAJ), 3(2), 158–173. https://doi.org/10.24176/bmaj.v3i2.5221

Azhar, A. N., & Farida, Y. N. (2021). Faktor-faktor yang Memepengaruhi Keputusan Kredit pada UMKM di kabupaten Banyumas pada Masa Pandemi Covid-19. Journal of Accounting and Business, 6(1), 13–25.

Bustami, A. W., Zulkarnain, I., Sarmigi, E., & Kerinci, I. (2022). Pengaruh Lama Usaha Dan Tingkat Suku Bunga Terhadap Keputusan Usaha Mikro Kecil Menengah (Umkm) Mengambil Kredit Di Perbankan (Studi Kecamatan Hamparan Rawang) the Effect of Business Duration and Interest Rate on Decisions of Micro Small Medium Enterprise. Jurnal Apresiasi Ekonomi, 10(2), 181–188.

Chandio, A. A., Jiang, Y., Rehman, A., Twumasi, M. A., Pathan, A. G., & Mohsin, M. (2021). Determinants of demand for credit by smallholder farmers’: a farm level analysis based on survey in Sindh, Pakistan. Journal of Asian Business and Economic Studies, 28(3), 225–240. https://doi.org/10.1108/JABES-01-2020-0004

E. Saqib, S., Kuwornu, J. K. M., Panezia, S., & Ali, U. (2018). Factors determining subsistence farmers’ access to agricultural credit in flood-prone areas of Pakistan. Kasetsart Journal of Social Sciences, 39(2), 262–268. https://doi.org/10.1016/j.kjss.2017.06.001

Handayani, S. (2018). Analisis Keputusan Pemberian Kredit Modal Kerja terhadap Usaha Kecil Menengah (Study Kasus pada PD BPR Bank Daerah Lamongan). Jurnal Akuntansi, 3(3), 755. https://doi.org/10.30736/jpensi.v3i3.160

Hapsila, A., & Astarina, I. (2020). The Effect Of Character, Capacity, Capital, Collateral And Condition Of Economy On Giving Credit (Case Study At PT Bank Rakyat Indonesia Kerumutan Unit And Tri Mulia Jaya Unit).

Hastuti, N. H., & Supriyadi, A. (2020). Memperhatikan Karakteristik Budaya Dalam Fenomena Kehidupan Bermasyarakat. Adi Widya : Jurnal Pengabdian Masyarakat, 4(2), 131–141.

Hon, C. Van, & Ninh, L. K. N. (2020). Impact of credit rationing on capital allocated to inputs used by rice farmers in the Mekong River Delta, Vietnam. Journal of Economics and Development, 22(1), 47–60. https://doi.org/10.1108/jed-11-2019-0067

Jannah, N. R. N., Pudiastiono, P., & Ruswaji, R. (2018). Analisis Faktor-Faktor Yang Mempengaruhi Pengambilan Keputusan Pemberian Kredit Pada Pd. Bpr. Bank Daerah Lamongan. Jurnal Ekbis, 19(2), 1141. https://doi.org/10.30736/ekbis.v19i2.173

Jaya, T. J. (2018). Analisis Pengaruh Kredit Usaha Rakyat Terhadap Nilai Produksi Usaha Mikro Kecil Di Kota Metro Tiara. Jurnal Ekonomi Pembangunan, 7(1), 285–295.

Key, N. (2020). Off-farm Income, Credit Constraints, and Farm Investment. Journal of Agricultural and Applied Economics, 52(4), 642–663. https://doi.org/10.1017/aae.2020.25

Kuhn, L., & Bobojonov, I. (2021). The role of risk rationing in rural credit demand and uptake: lessons from Kyrgyzstan. Agricultural Finance Review. https://doi.org/10.1108/AFR-04-2021-0039

Loppies, L. S., Essomar, M. aria J. F., & Rikumahu..., B. F. . (2021). Analisis Pengaruh 5C (Character, Capacity, Capital, Collateral, Condition of Economic) trhadap Keputusan Kredit di PT. BPR Modern Express Ambon. Jurnal SOSOQ, 9(1), 88–107. https://ojs.unpatti.ac.id/index.php/sosoq/article/view/1331

Matto, M., & Niskanen, M. (2019). Religion, national culture and cross-country differences in the use of trade credit: Evidence from European SMEs. International Journal of Managerial Finance, 15(3), 350–370. https://doi.org/10.1108/IJMF-06-2018-0172

Muniarty, P., Rimawan, M., & Wulandari, W. (2022). Kredit Usaha Rakyat (KUR) Penguatan Kapasitas Bagi Petani Di Kota Bima. Owner, 6(3), 3227–3236. https://doi.org/10.33395/owner.v6i3.1064

Munir Yusuf. (2018). Pengantar Ilmu Pendidikan. In Lembaga Penerbit Kampus IAIN Palopo.

Murti, A. K., Trisnadewi, A. A. E., Citraresmi, L. D., & Saputra, K. A. K. (2018). SAK ETAP, Kualitas Laporan Keuangan dan Jumlah Kredit yang diterima UMKM. Ekuitas: Jurnal Pendidikan Ekonomi, 6(2), 52–61. https://doi.org/10.23887/ekuitas.v6i2.16300

Neves, M. D. C. R., Freitas, C. O., Silva, F. D. F., Costa, D. R. D. M., & Braga, M. J. (2020). Does Access to Rural Credit Help Decrease Income Inequality in Brazil? Journal of Agricultural and Applied Economics, 52(3), 440–460. https://doi.org/10.1017/aae.2020.11

Nurholis, M. S., Anwarudin, O., & Makhmudi, M. (2020). Kapasitas petani padi dalam mengakses Kredit Usaha Rakyat (KUR) di Kecamatan Pameungpeuk Kabupaten Garut, Jawa Barat. Jurnal Penyuluhan Pertanian, 15(1), 53–72.

Prabowo, H., Herwiyanti, E., & Pratiwi, U. (2020). Pengaruh Literasi Keuangan, Tingkat Suku Bunga, Kualitas Pelayanan Dan Jaminan Terhadap Pengambilan Kredit Perbankan Oleh Ukm. Jurnal Akuntansi Dan Perpajakan Jayakarta, 2(1), 34–44. https://doi.org/10.53825/japjayakarta.v2i1.49

Rafaella, A. C., & Prabowo, B. (2021). Analisis Kredit Macet pada Kredit Usaha Rakyat (KUR) PT. Bank Rakyat Indonesia (Persero) Tbk Unit Rungkut Surabaya pada Masa Pandemi Covid-19. Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 4(2), 368–379. https://doi.org/10.47467/alkharaj.v4i2.674

Rahayu, P., & Suprihandari, M. D. (2022). Analisis Laporan Keuangan Sebagai Pendukung Keputusan Pemberian Kredit Modal Kerja PT . Bank Maspion Tbk Cabang Surabaya Analysis of Financial Statements to Support Decisions for Giving. 1(2), 103–118.

Saifurrahman, A., & Kassim, S. (2022). Collateral imposition and financial inclusion: a case study among Islamic banks and MSMEs in Indonesia. Islamic Economic Studies, November 2021. https://doi.org/10.1108/ies-04-2022-0023

Sari, N. K., & Imaningsih, N. (2022). Pengaruh Faktor Internal dan Eksternal terhadap Penyaluran Kredit Usaha Rakyat (KUR) bagi UMKM (Studi Kasus Pada PT. Bank Rakyat Indonesia Tahun 2011-2020). EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, 10(S1), 121–132. https://doi.org/10.37676/ekombis.v10is1.2008

Setyawan, F. A. (2020). Analisis Pengaruh Pendapatan, Jumlah Nasabah, Dan Pandemi Covid-19 Terhadap Penyaluran Kredit Kca Pada Pt. Pegadaian (Persero) Upc Secang. E-Mabis: Jurnal Ekonomi Manajemen Dan Bisnis, 21(1), 79–86. https://doi.org/10.29103/e-mabis.v21i1.478

Shokr, M. A. (2020). Real interest rate, income and bank loans: panel evidence from Egypt. Journal of Financial Economic Policy, 12(2), 227–243. https://doi.org/10.1108/JFEP-09-2018-0140

Siswanto, H. P., Arifin, A. Z., & Cavin, C. (2019). Critical Factors That Determine Credit Approval to Micro, Small, and Medium Enterprises (MSME) IN BEKASI. Etikonomi, 18(1), 93–104. https://doi.org/10.15408/etk.v18i1.6722

Wau, M. (2020). Faktor Faktor Mempengaruhi Kebijakan Pemberian Kredit Pada Koperasi Masyarakat Bumi Putera Telukdalam Kabupaten Nias …. Jurnal Education and Development, 8(2), 298–300.

Wijaya, K. (2019). Pengaruh Kualitas Laporan Keuangan Terhadap Umkm Serta Prospek Implementasi Sak Etap. Ecobisma (Jurnal Ekonomi, Bisnis Dan Manajemen), 6(2), 89–100. https://doi.org/10.36987/ecobi.v6i2.9

Wulandari, N. W. F. (2019). Analisis Faktor-Faktor Yang Mempengaruhi Kolektibilitas Kredit Usaha Rakyat (Kur) Mikro Bri (Studi Empiris Pada Debitur Kur Mikro Bri Unit Renon). Jurnal Sains, Akuntansi Dan Manajemen (JSAM), 1(3), 1–46. https://doi.org/10.1234/jsam.v1i3.59




DOI: https://doi.org/10.24123/mabis.v23i1.704

Article Metrics

Abstract view : 24 times
PDF - 17 times

Refbacks

  • There are currently no refbacks.




Copyright (c) 2024 Fina Rosyada, Feri Dwi Riyanto

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License. ISSN: 1412-3789. e-ISSN: 2477-1783.

Google ScholarGoogle ScholarGARUDA - Garba Rujukan Digital
DOAJ
ROADROADEBSCO
mabis statistics