PREFERENSI USAHA KECIL DAN MIKRO DI PASAR BARU CIKARANG DALAM MEMILIH AKSES PEMBIAYAAN

Abstract

The aim of this research is to measure the micro and small enterprise preference in Pasar Baru Cikarang in selecting of conventional or shariah financing access with using 100 respondents. The method used in this research is binary logistic regression and descriptive analysis. There are two results of this research, first, the factor that influence the micro and small enterprise preference are the lower interest/yield, diverse product, financing plafond, and presence a guidance of business development. Second, 37 percent respondent stated that they chose to access financing in Islamic Financial Institutions and 63 percent stated that they chose to access financing in Conventional Financial Institutions. From this result the author concludes that the micro and small medium enterprise in Pasar Baru Cikarang is more preferable access in conventional financial institution.