Analisis Faktor Konfirmatori dalam Mengukur Kapasitas Target Pasar Kredit Usaha Mikro Kecil dan Menengah

Syti Sarah Maesaroh

Abstract


One of the problems in developing Micro, Small and Medium Enterprises (MSMEs) is the low access to funding. Various faktors cause MSMEs not to meet eligibility as recipients of bank credit (unbankable). This study aims to examine and analyze the determinants of the low absorption of bank credit by MSMEs. Some of the faktors tested include business characteristics, management administration, resources, and performance of MSMEs. Each faktor consists of several indikators that play a role in determining the capacity of MSMEs. The research analysis method uses confirmatory faktor analysis to confirm the effect of each indikator on the capacity of MSMEs. The results of the study show that all tested indikators have a significant effect on the absorption rate of MSME credit products. The indikators that have the most role in determining the capacity of MSMEs are the level of use of their own capital, the availability of financial reports and the level of education of business actors. Several banking strategies can be focused on these faktors to increase the absorption of MSME loans. Optimizing credit absorption is expected to improve performance, both in improving performance in banking and improving performance in MSMEs.

One of the problems in developing Micro, Small and Medium Enterprises (MSMEs) is the low access to funding. Various faktors cause MSMEs not to meet eligibility as recipients of bank credit (unbankable). This study aims to examine and analyze the determinants of the low absorption of bank credit by MSMEs. Some of the faktors tested include business characteristics, management administration, resources, and performance of MSMEs. Each faktor consists of several indikators that play a role in determining the capacity of MSMEs. The research analysis method uses confirmatory faktor analysis to confirm the effect of each indikator on the capacity of MSMEs. The results of the study show that all tested indikators have a significant effect on the absorption rate of MSME credit products. The indikators that have the most role in determining the capacity of MSMEs are the level of use of their own capital, the availability of financial reports and the level of education of business actors. Several banking strategies can be focused on these faktors to increase the absorption of MSME loans. Optimizing credit absorption is expected to improve performance, both in improving performance in banking and improving performance in MSMEs.


Keywords


confirmatory, credit, banking, MSMEs

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DOI: https://doi.org/10.35591/wahana.v25i1.389

Wahana: Jurnal Ekonomi, Manajemen dan Akuntansi
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