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Economics and Finance in Indonesia
Credit access; micro and small women entrepreneurs; self-rationing; business vulnerability
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Full-Text Articles in Macroeconomics
Business Vulnerability And Credit Access For Agriculture-Based Micro And Small Women Entrepreneurs, Dewi Ratna Sjari M
Business Vulnerability And Credit Access For Agriculture-Based Micro And Small Women Entrepreneurs, Dewi Ratna Sjari M
Economics and Finance in Indonesia
Micro and Small Industries (MSIs) constitute the largest share of Indonesia's manufacturing sector and play an important role in providing employment opportunities and value-added creation. However, their business sustainability and scaling up are often hindered by various factors, one of which is access to credit. The subsidized loan scheme provided by the government, namely People's Business Credit (KUR), appears to be insufficiently attractive to entrepreneurs, especially to Micro and Small Women Entrepreneurs (MSWEs). Employing a logit regression method and utilizing the BPS-Statistics Indonesia's 2015 MSI survey data, this study aims to investigate factors affecting MSWEs decision to apply for bank …