Determinant of SMEs Credit in Indonesia: Intern vs Extern Factor

DOI

10.2991/aebmr.k.201126.024How to use a DOI?

Keywords

SMEs Credit, Non-Performing Loan, Capital Adequacy Ratio, Return on Asset, Loan to Deposit Ratio, BI Rate, Inflation

Abstract

This study explored the determinant of SMEs Credit in Indonesia from 2010-2018 using the Error Correction Model. Error Correction Model aims to identify long-term and short-term relationships that occur due to cointegration between research variables. The object of research is total SMEs Credit based on type of use. Based on the Error Correction Model analysis conducted, it can be concluded that CAR has a significant negative effect on total SMEs Credit, Inflation, LDR, BI Rate, ROA has no significant effect on total SMEs Credit, and NPL has a significant positive effect. Judging from the findings obtained in this paper, it is known that the variables originating from internal factors have more influence on the total SME loans disbursed than those from external factors.

Copyright

© 2020, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Ali Anis
AU  - Hari Setia Putra
AU  - Yunnise Putri
PY  - 2020
DA  - 2020/11/27
TI  - Determinant of SMEs Credit in Indonesia: Intern vs Extern Factor
BT  - Proceedings of the 5th Padang International Conference On Economics Education, Economics, Business and Management, Accounting and Entrepreneurship (PICEEBA-5 2020)
PB  - Atlantis Press
SP  - 195
EP  - 208
SN  - 2352-5428
UR  - https://doi.org/10.2991/aebmr.k.201126.024
DO  - 10.2991/aebmr.k.201126.024
ID  - Anis2020
ER  -