Determinants of the decision to grant KUR to MSMEs in Malang City in 2022

Riyanto, Feri Dwi, Muhammad, Naufal Dzakwana and Rosyada, Fina (2024) Determinants of the decision to grant KUR to MSMEs in Malang City in 2022. Manajemen dan Bisnis, 23 (1). pp. 81-92. ISSN 14123789

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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.

Item Type:	Journal Article
Keywords:	income; financial statements; cultural characteristics; guarantees; education
Subjects:	14 ECONOMICS > 1401 Economic Theory > 140103 Mathematical Economics 14 ECONOMICS > 1402 Applied Economics > 140207 Financial Economics 14 ECONOMICS > 1402 Applied Economics
Divisions:	Faculty of Economics > Department of Management
Depositing User:	Feri Dwi Riyanto
Date Deposited:	28 Oct 2024 13:37

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