Small and Middle Macro Enterprise (SME) Preference in Making Financing Source from Micro Financial Institutions: A Research on SME Preference Identification in Making Financing Source from Micro Financial Institutions
AUTHORS
Sri Utami*,Sekolah Tinggi Pembangunan Masyarakat Desa “APMD” Yogyakarta, Jln.Timoho 317 Yogyakarta, 55225 Telp.0274 561971, Indonesia
Cintya Hartanti,Sekolah Tinggi Pembangunan Masyarakat Desa “APMD” Yogyakarta, Jln.Timoho 317 Yogyakarta, 55225 Telp.0274 561971, Indonesia
Hery Purnomo,Sekolah Tinggi Pembangunan Masyarakat Desa “APMD” Yogyakarta, Jln.Timoho 317 Yogyakarta, 55225 Telp.0274 561971, Indonesia
Anastasia Adiwirahayu,Sekolah Tinggi Pembangunan Masyarakat Desa “APMD” Yogyakarta, Jln.Timoho 317 Yogyakarta, 55225 Telp.0274 561971, Indonesia
ABSTRACT
SMEs is one component driver of economic growth in the city of Yogyakarta. The position of SMEs as one unit of economic activity that is supported by the presence of Microfinance Institutions. Microfinance Institutions consist of the bank (Bank Unit Micro and rural banks) and non-banks (cooperatives and BMT) under the supervision of Bank Indonesia. In this study see the pattern of preferences and the factors that influence the preferences of SMEs in seeking sources of financing of the Microfinance Institutions. To obtain data about the preferences and perceptions of the MFI MSME used cluster random sampling by distributing questionnaires and structured interviews with a sample of SMEs in the city of Yogyakarta, especially Sub-District and District Umbulharjo Kotagede. Meanwhile, the questionnaire was also given to MFIs (Microfinance Bank Unit, rural banks, cooperatives, and BMT) to see their perceptions of SMEs. The data was processed using descriptive statistics and will be interpreted quantitatively and qualitatively. The results of the analysis of the preferences of respondents in general, there is a decisive factor selection MFIs by clients (SMEs) on each MFI forming the segmentation. The conclusion that the differentiated banking MFIs (Micro Business Unit Commercial banks and rural banks) and non-banking MFI (Credit Unions and BMT).
KEYWORDS
Preference, UMKM, LKM
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