Analysis of People’s Business Credit Distribution for MSMEs Based on Non-Performing Loans, the Number of Debtors, and MSME’s Revenue Growth

Ismiyanti, Fitri and Mahadwartha, Putu Anom (2020) Analysis of People’s Business Credit Distribution for MSMEs Based on Non-Performing Loans, the Number of Debtors, and MSME’s Revenue Growth. International Journal of Innovation, Creativity and Change, 14 (12). pp. 280-294. ISSN 2201-1323

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Abstract

This research discusses the distribution of People's Business Credit or MSME credit, which is influenced by NPLs, the number of debtors, and MSME's revenue growth. The main research issue focuses on KUR's use for MSME expansion, which will pay attention to the amount of NPLs as part of credit risk, the number of debtors who use KUR, and the amount of MSME revenue to finance KUR payments. This research becomes a benchmark for making bankable software to be designed. The study uses data of MSME credit from 1989 to 2019, with adjustment of data from 1989 to 2008 due to change of regulation. The findings show that revenue growth has a negative effect on KUR distribution; this is due to the fact that successful MSMEs will borrow using the investment credit scheme instead of continuing to use KUR. Meanwhile, NPLs and the number of debtors does not affect the distribution of KUR. The results of this study are used as the basis for determining the logarithm of bankable software calculations. The beta version of this software is complete but requires further revision.

Item Type:	Article
Uncontrolled Keywords:	Non-performing Loans, credit Risk, Debtors, Revenue, SME
Subjects:	H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
Divisions:	Faculty of Business and Economic > Department of Management
Depositing User:	Ester Sri W. 196039
Date Deposited:	01 Nov 2022 08:47
Last Modified:	01 Nov 2022 08:47
URI:	http://repository.ubaya.ac.id/id/eprint/42830

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