SUMBER PEMBIAYAAN PEDAGANG DI SALATIGA
ABSTRACT: The purpose of this
research is to know funding re-sources that are utilized by Salatiga merchants,
constraints that are faced by Salatiga merchants, and fac-tors that are
influenced Salatiga merchants’ decision in utilized loan from formal financial
institution. Sample in this research are micro merchants taken with stratified sampling
method. Descriptive statistics method and logistic regression model are used
for analysis. The result of this research showed that Salatiga micro merchants
use private financial resources, loans from for-mal and non formal financial
institution, loans from family and friends, trade by consignment method, and
funding from cities’ poverty reduction program as financial resources.
Constraints that were often told by the merchants in accessing formal financial
institution are worries that they will not be able to pay and that they have no
appropriate loan guarantees. This research also found that female gender and
education level of a merchant have positive effect on opportunity in taking loan
from formal financial institution, while age of a merchant and motor cycle
ownership has negative effect on opportunity in taking loan from formal
financial institution.
Keywords: micro merchant,
financial resources, formal financial institution
Penulis: Birgitta Dian
Saraswati, Sotya Fevriera, dan Sally Dwijayanti
Kode Jurnal: jpmanajemendd110173
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