文章基本信息

标题：Analysis of Factors Affecting the Real Sector Growth of Small and Medium -Post Bank Indonesia Level Rate Reduction
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作者：Bambang Agus PRAMUKA ; Rasyid Mei MUSTOFA ; SUJONO 等
期刊名称：Economy Transdisciplinarity Cognition
印刷版ISSN：2067-5046
电子版ISSN：2068-7389
出版年度：2013
卷号：16
期号：1
页码：110-121
出版社：George Bacovia University from Bacau
摘要：This study attempts to analyze the factors that affect the growth of the real sector of small and medium -sized enterprises post Bank Indonesia (BI) Rate decline. Respondents in this study consisted of 30 entrepreneurs whose businesses include the category of small and medium enterprises, in accordance with the scale grouping inclusion criteria issued by the Department of Cooperatives and SMEs. Data to be collected is primary data and secondary data relating to the growth of SMEs after the decline in BI Rate. Primary data in the form of the factors that affect the gro wth of the real sector of small and medium enterprises, which are obtained directly from the small and medium-sized businesses. To collect primary data, conducted by distributing questionnaires to SMEs. The questionnaire consisted of open -ended questions and closed questions were measured using a Likert Scale item analysis in the form of a scale with five choices. From the results of data processing can be concluded that most of the respondents consider that the bank is an institution that is very helpful and the business activity is expected to help small and med ium enterprises to improve their productivity. This is evidenced by data that showed the majority of respondents had applied for a loan (debt) to increase their working capital. Some respondents thought that the procedure for the submission of the loan and the interest rate is difficult at this time not yet at a level appropriate to the business world. However, only some of the respondents who consider that the cash obtained from the banks is a major factor driving the success of the business. Furthermo re, all respondents also stated that they had difficulty in terms of bureaucracy, whether related to banking and related bureaucratic procedures such as general taxation and licensing. It can be concluded that the decline in BI Rate has not been fully followed with the ease of the loan application procedure (debt) for productive purposes. It is the result of the real sector of small and medium enterprises have yet to experience significant growth. In addition to the interest rates and bank bureaucracy, the growth of small and medium enterprises are also influenced by several other factors. These factors a re the availability of raw materials, use of technology, human resources, and market information. These four factors which, according to the respondent became a major factor in increasing the growth of the business
关键词：SMEs in Indonesia; BI Rate; real sector growth