The lack of access to formal credit at affordable cost (effective interest) is the most critical constraint faced by the rural entrepreneurs to get involved in productive profitable business activities. This study explores the causes behind the widespread existence of informal credits as investment capital for small house-based business. Based on a primary survey on house based industrial owner...

This study uses three dimensions — ability, virtue and integrity, accounting information quality to demonstrate trust’s impact on small medium-sized enterprises (SMEs) access finance in Tanjungpinang. A questionnaire was delivered directly or via Google Form four Tanjungpinang sub-districts. The questionnaire’s Likert scale represents SME business actors’ opinions. availability credit variables...