Anita, Anita
(2020)
Analisis Faktor-Faktor Yang Mempengaruhi Aksesibilitas UMKM Terhadap Produk Pembiayaan Di Bank Umum Syariah
(Studi Di Kecamatan Pamijahan Bogor, Jawa Barat).
Bachelor thesis, Institut Agama Islam Sahid Bogor.
Abstract
In Indonesia, Micro, Small and Medium Enterprises (MSMEs) have an important role as the backbone of the Indonesian economy. In developing its business, SMEs are faced with several problems. Among the low HR factors, limited facilities and infrastructure, technology, the main factors that hamper the development of MSMEs are the lack of capital and limited access to finance. The process of developing this MSME automatically requires a lot of funding, so that many MSMEs are financing through bank credit.
This study aims to analyze factors of education level, business experience, business turnover, compliance with paying income tax, total assets and type of business to influence the accessibility of MSMEs to financing products in Islamic Banks. This type of research is quantitative research and data collection methods use primary data obtained through questionnaires. Sampling amounted to 150 respondents using the Tabachic & Fidell technique, the sampling technique using simple random sampling technique. The data analysis method uses multiple linear regression, classic assumption test, and hypothesis test (t test and F test).
T test results showed that each independent variable, namely the level of education, business experience had no positive and significant effect. While business turnover, compliance pay income tax, total assets and type of business partially positive and significant effect. F test results show that there is a positive influence simultaneously between variables of education level, business experience, business turnover, compliance with paying income tax, total assets and type of business on MSME accessibility. It can be seen that Fcount 26,945> Ftable 2.16 with a significance level of 0,000. And it can be seen from the value of Adjusted R Square of 51.1% and the remaining 48.9% is explained by other variables outside of this study. From the regression model it can be seen that total assets are the most dominant factor affecting the accessibility of MSMEs to financing products in Islami C Bank.
Keywords: education level, business experience, business turnover, income tax compliance, total assets, type of business and MSME accessibility
Actions (login required)
 |
View Item |
