FAKTOR YANG MEMPENGARUHI AKSES KEUANGAN PINJAMAN USAHA MIKRO KECIL DAN MEMENGAH (UMKM) DI KABUPATEN BREBES

Abstract

SMEs has an important role in economic growth, employment and the contribution of non-oil export in Indonesian, However it has the problems of access to finance. Therefore the purpose of this study is to investigate and analyze the influence of the characteristics of SMEs and entrepreneurs access to finance of SMEs in Central Java Brebes, SME characteristics are: size, collateral, business information, location and type of industry, while the entrepreneurial characteristics are: managerial competence and network.
Using a sample of 120 SME owners in Brerbes district and logistic regression analysis by using the Stata 12 software, analysis shows that, the size, business information and managerial competence have no impact on the probability of access to finance of SMEs, there is the influence of collateral, location, type of industry and network on the probability of access to finance of SMEs Brebes.
Keywords: SMEs, finance access, firm and entrepreneurial characteristics.