The Effect of People Business Credit on SME’S Development in Central Sulawesi, Indonesia
Abstract
The objectives of this research are: (1) to describe SME’s businessman characteristics
in Central Sulawesi, (2) to analyze the effectiveness ofmanagement of People's Business Credit
program (capital, manpower absorption, total credit, length of business) to increase added value
(profit) for SME’s that have obtained credit through the People's Business Credit (KUR)
program. Dummy variable of this study including education, business type, and business
location.Population of this research covers all community in targeted location who have
received business credit from financial institution in Poso Regency, Donggala Regency, Parigi
Moutong Regency, and Palu City. The number of sample in this research 270 SMEs that have
been counted using Slovin method. Analysis methods used in this study consisting of descriptive
analysisand multiple linear regression. The results show that characterist ics of SME’s
businessman were found to be homogeneous in terms of age, gender, level of education, number
of family dependents, type of business, business experience, business location, sales income,
capital fund, capital source, amount of credit, and marketing problems. The results also suggest
that the effect of capital before receiving credit, employees, amount of credit, length of business,
education, type of business, and business location simultaneously perform significant effect on
business income. The capital before receiving credit, amount of credit, length of business
perform positive and significant effect on business income of SME’s which received credit.
Meanwhile, education, type of business and business location did not perform significant effect
on business income of SME’s that have received credit.
Downloads
All material contained in this site is protected by law. It is prohibited to quote part or all of the contents of this website for commercial uses without the approval of the board of editors of this journal.
If you find one or more articles contained in CELSciTech that violate or potentially infringe your copyright, please report to us, via email to Principle Contact.
The formal legal aspect of access to any information and articles contained in this journal site refers to the terms of the Creative Commons Attribution-ShareAlike (CC BY-SA).
All information contained in CELSciTech is academic. CELSciTech is not responsible for any losses incurred by misuse of information from this site.