AKSESIBILITAS INDUSTRI PANGAN SKALA MIKRO KECIL TERHADAP SUMBER PEMBIAYAAN FORMAL DI KABUPATEN BOGOR
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Published:
Feb 14, 2018
Keywords:
accessibility, food industry, formal credit, micro small enterprises
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Abstract
The food industry is one of the small micro enterprises that have a role as a source of employment and incomes. The development of food industry have some problems, especially the lack of accessibility to formal credit institutions. The objectives of this study are to assess the characteristics of food industry and to identify the factors affecting accessibility food industry using the probit models. Result of the study show that the assets and education are an important factor in accessing credit to formal credit institutions.
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WedeliaL., HutagaolM. P., & DaryantoA. (2018). AKSESIBILITAS INDUSTRI PANGAN SKALA MIKRO KECIL TERHADAP SUMBER PEMBIAYAAN FORMAL DI KABUPATEN BOGOR. Jurnal Agribisnis Indonesia (Journal of Indonesian Agribusiness), 5(1), 27-38. https://doi.org/10.29244/jai.2017.5.1.27-38
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Paloma C. 2013. Adverse Selection dan Moral Hazard pada Skim Kredit Lembaga Keuangan Mikro Agribisnis (LKM-A) PUAP di Kota Padang [Tesis]. Bogor (ID) : Institut Pertanian Bogor.
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Simtowe, Franklin and Manfred Zeller. 2006. Determinants of Moral Hazard in Microfinance: Empirical Evidence from joint Liability Lending Programs in Malawi. Munich Personal RePec Archive.
Stiglitz JE and Weiss A. 1981. Credit Rationing in Markets with Imperfect Information. American Economic Review, 71: 393-410.
Wati DR. 2015. Akses dan dampak kredit mikro terhadap produksi dan pendapatan usahatani padi organik di Kabupaten Bogor.[Tesis]. Bogor (ID): Institut Pertanian Bogor.
Takyi EA. 2011. Micro-credit Management in Rural Bank : The Case of Baduman Rural Bank, Ltd. [Thesis]. Bangkok (TH) : University of Science and Technology.
Thanh VT, TC. Tran VD. Bui., and DC. Trinh. 2011. Small and Medium Enterprises Access to Finance in Vietnam. ERIA Research Project Report, Jakarta.
[BI] Bank Indonesia. 2013. Statistik Ekonomi dan Keuangan Indonesia. Bank Indonesia, Jakarta. http://www.bi.go.id
[BPS] Badan Pusat Statistik. 2015. Jumlah Usaha Mikro Kecil Tahun 2010-2014 di Indonesia. Jakarta (ID).
[BPS] Badan Pusat Statistik Jawa Barat. 2013. Jawa Barat Dalam Angka 2013. Jawa Barat (ID). Badan Pusat Statistik Provinsi Jawa Barat.
Diagne A and M Zeller. 2001. Access to Credit and Its Impact on Welfare in Malawi [Laporan Penelitian]. Washington DC (US) : International Food Policy Research Institute Report 116.
Dinas Koperasi UMKM Perindustrian dan Perdagangan Kabupaten Bogor. 2012. Laporan Tahunan 2011. Dinas Koperasi, UMKM, Perindustrian, dan Perdagangan Kabupaten Bogor, Bogor.
Fasoranti MM, Akinrinola OO, and Ajibefun IA. 2006. Impact of the Micro Credit and Training on Efficiency of Small-Scale Entrepreneurs: Evidence from National Directorate of Employment (NDE) Loan/Training Programmes in Nigeria. The Social Sciences, 1 (4): 264-269.
Fatoki O and Smit VA. 2011. Constraints to Credit Access by New SMEs in South Africa: A Supply-Side Analysis. African Journal of Business Management, 5(4) : 1413-1425.
Fernando C , Chakraborty A and Mallick R. 2002. The Importance of Being Known: Relationship Banking and Credit Limits. Economics Working Paper Archive at WUSTL
Hafsah MJ. 2004. Upaya Pengembangan Usaha Kecil dan Menengah (UKM). Infokop, 25
Intriligator MD, Bodkin RG, and Hsiao C. 1996. Econometric Model, Techniques, and Applications. Second Edition. New Jersey (US) : Prentice-Hall International, Inc
Jaffee DM, Modigliani F. 1969. A Theory and Test of Credit Rationing. The American Economic Review, 59: 850-872
Messah OB, and Wangai. 2011. Factors that Influence the Demand for Credit for Credit Among Small-Scale Investors: a Case Study of Meru Central District, Kenya. Research Journal of Finance and Accounting, 2(2). www.iiste.org
Musamali, MM and Tarus DK. 2013. Does Firm Profile Influence Financial Acces Among Small and Medium Enterprises In Kenya? Asian Economic and Financial Review, 3 (6):714-723.
Nguyen N and Luu N. 2013. Determinants of Financing Pattern and Acces to Formal –Informal Credit: The Case of Small and Medium Sized Enterprises in Vietnam. Journal of Management Research 5 (2):240-259
Nkuah JK, Tanyeh JP, and Gaeten K. 2013. Financing Small And Medium Enterprises (Smes) In Ghana: Challenges And Determinants In Accessing Bank Credit. International Journal of Research In Social Sciences, 2 (3):12- 25. www.ijsk.org/ijrss
Nuswantara B. 2012. Peranan Kredit Mikro dan Kecil terhadap Kinerja Usaha Kecil dan Ekonomi Wilayah di Provinsi Jawa Tengah. [Disertasi]. Bogor (ID) : Institut Pertanian Bogor.
Nuryartono, N. 2005. Impact of Smallhlders’ Access to Land and Credit Markets on Technology Adoption and Land Use Decisions: The Case of Tropical Forest Margins in Central Sulawesi-Indonesia. Cuvillier Verlag, Göttingen, Germany.
Nuswantara B. 2012. Peranan Kredit Mikro dan Kecil terhadap Kinerja Usaha Kecil dan Ekonomi Wilayah di Provinsi Jawa Tengah. [Disertasi]. Bogor (ID) : Institut Pertanian Bogor.
Okurut N. 2006. Acces to Credit by the Poor in South Africa: Evidence from Household Survey Data 1995 and 2000. Working Papers, 13 (6). Department of Economics, University of Bostwana.
Paloma C. 2013. Adverse Selection dan Moral Hazard pada Skim Kredit Lembaga Keuangan Mikro Agribisnis (LKM-A) PUAP di Kota Padang [Tesis]. Bogor (ID) : Institut Pertanian Bogor.
Pandula G. 2011. An Empirical Investigation of Small and Medium Enterprise’s Acces to Bank Finance. ASBBS Annual Conference Proccedding, 18 (2).
Permatavitri DE, Gunarta IK, Ciptomulyono U. 2013. Perancangan Model Pengambilan Keputusan Pemberian Kredit Usaha Rakyat dengan Metode Fuzzy AHP-DEA. Prosiding Seminar Nasional Manajemen Teknologi.
Simtowe, Franklin and Manfred Zeller. 2006. Determinants of Moral Hazard in Microfinance: Empirical Evidence from joint Liability Lending Programs in Malawi. Munich Personal RePec Archive.
Stiglitz JE and Weiss A. 1981. Credit Rationing in Markets with Imperfect Information. American Economic Review, 71: 393-410.
Wati DR. 2015. Akses dan dampak kredit mikro terhadap produksi dan pendapatan usahatani padi organik di Kabupaten Bogor.[Tesis]. Bogor (ID): Institut Pertanian Bogor.
Takyi EA. 2011. Micro-credit Management in Rural Bank : The Case of Baduman Rural Bank, Ltd. [Thesis]. Bangkok (TH) : University of Science and Technology.
Thanh VT, TC. Tran VD. Bui., and DC. Trinh. 2011. Small and Medium Enterprises Access to Finance in Vietnam. ERIA Research Project Report, Jakarta.