PENGARUH INKLUSI KEUANGAN PADA BANK KONVENSIONAL TERHADAP PERKEMBANGAN UMKM DI INDONESIA TAHUN 2018-2022

DAMAYANTI, ARSITA and Liliana, Liliana (2024) PENGARUH INKLUSI KEUANGAN PADA BANK KONVENSIONAL TERHADAP PERKEMBANGAN UMKM DI INDONESIA TAHUN 2018-2022. Undergraduate thesis, Sriwijaya University.

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Abstract

Financial inclusion is an effort to provide affordable and beneficial access to financial services such as transactions, payments, savings, credit, and insurance to meet the needs of society and their businesses in a responsible and sustainable manner. This study discusses the development of MSMEs (Micro, Small, and Medium Enterprises) in Indonesia and the factors affecting the development of MSMEs such as the Number of Credit Accounts, Number of DPK (Deposits) Accounts, and the Bank Indonesia Benchmark Interest Rate. The data used in this study includes monthly time series data for the period from January 2018 to December 2022. The method in this study uses a quantitative approach with multiple linear regression analysis techniques using the OLS (Ordinary Least Square) method. The results of this study indicate that the variables of the number of general bank credit accounts, the number of general bank DPK accounts, and the Bank Indonesia benchmark interest rate have a positive and significant effect on the total credit of MSMEs.

Item Type:	Thesis (Undergraduate)
Uncontrolled Keywords:	Inklusi Keuangan, Penggunaan Rekening Kredit, Penggunaan Rekening DPK,Suku Bunga, Perbankan, Kredit UMKM
Subjects:	S Agriculture > SH Aquaculture. Fisheries. Angling > SH334 Economic aspects. Finance
Divisions:	01-Faculty of Economics > 60201-Development Economics (S1)
Depositing User:	Arsita Damayanti
Date Deposited:	02 Apr 2024 07:51
Last Modified:	02 Apr 2024 07:51
URI:	http://repository.unsri.ac.id/id/eprint/143075

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