Determinants of MSMEs Access to WIBAWA Credit

Capital need is a challenge experienced by MSME. Semarang city government provides an innovation of capital access assistance to MSMEs with Revolving Fund Loan Program, namely WIBAWA Credit. status feasible and not bankable, due non-fulfillment 5C principle. This study credit determinant analysis aims develop granting patterns. Secondary research data were obtained from Dinkop & UMKM Kota PERUMDA BPR Bank Pasar taking sample 600 Credit application for 2017-2019. Binary Logistic Regression results through IBM SPSS Statistics 22 software show that there are differences in gender business owners, size, age decision grant credit, while history variable has no effect. improve creditworthiness female micro-Enterprises, start-up/new early businesses so they have more opportunities qualify financing. re-apply can also be given faster assessment process period larger disbursement ceiling, but still, pay attention repayment factor debtor.
 Kebutuhan modal menjadi tantangan yang dialami pemilik UMKM. Pemerintah memberikan bantuan akses kepada dengan Program Pinjaman Dana Bergulir yaitu Kredit WIBAWA. Penelitian ini bertujuan untuk mengembangkan kajian terhadap pola pemberian Data penelitian sekunder diperoleh dari dan mengambil sampel pengajuan periode tahun Hasil analisis melalui menunjukkan bahwa terdapat perbedaan jenis kelamin usaha, ukuran usaha umur dalam keputusan WIBAWA, sementara variabel riwayat kredit tidak pengaruh.