Perpektif Perbankan Tentang Keputusan Pendanaan Modal Kerja Bagi UMKM


  • Endang Asliana Politeknik Negeri Lampung/Jurusan Ekonomi dan Bisnis/Program Studi Akuntansi
  • Arti Arditha R Politeknik Negeri Lampung/Jurusan Ekonomi dan Bisnis/Program Studi Akuntansi
  • Dian Nirmala Dewi Politeknik Negeri Lampung/Jurusan Ekonomi dan Bisnis/Program Studi Akuntansi



Micro, Small and Medium Enterprises (MSMEs) work as engines of economic growth. Promotion of MSMEs, especially in developing countries such as Indonesia, includes those that absorb a relatively high workforce, dependence on indigenous skills and technology, contribute to the development of entrepreneurship and innovation and the growth of industrial relations. This research attempts to summarize the banking perspective in providing credit to MSMEs. The purpose of this study is to find out the reasons banks are reluctant to provide loans to MSME banks. Take bank credit analysts in Bandar Lampung as a sample to answer the research questionnaire. The Z test is used to test hypotheses with a statistical significance level of 0.05. The test in this study was processed using a computerized Statistical Package for Social Science (SPSS) program. Data collected as many as 60 respondents through a questionnaire prepared by using a non-probability sampling / purposive sampling method. The research findings show that the terms and conditions of loans stipulated by banks are not easy to fulfill by MSMEs, so banks are reluctant to provide loans to MSMEs Keywords: MSMEs, Credit Analysts, Customers, Banks


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