Faktor-Faktor Yang Mempengaruhi Kredit Bakulan Yang Diterima Oleh Usaha Mikro Dan Kecil Pada Bpr Sarimadu Di Kota Pekanbaru

Abstract

This study aims are to analyze the factors that influence of credit bakulan received micro and small businesses in the BPR Sarimadu in Pekanbaru and impact of credit bakulan on income of micro and small businesess. Micro and small businesses who became sample on this research are the trader of vegetable and fruit. The econometric approach in a simultaneous equation model with two stages least square method is used in this study. The main result of the credit bakulan that received by micro and small businesses is affected by assets and wealth, experience trading business, education level entrepreneurs and net income of the business. Credit bakulan who accepted micro and small businesses have a positive impact for business income.