ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KREDIT UMKM SERTA DAMPAKNYA TERHADAP KEMISKINAN DI INDONESIA

Abstract

Micro, Small and Medium Enterprises are now driving national economic  activity. The existence of UMKM in Indonesia plays an important role in providing employment, reducing poverty  and  income  inequality  and  improving  the  national  economy.  However,  one  of  the problems that hinders the development of UMKM is the lack of capital. The banks created the UMKM credit program to overcome these problems. The purpose of this study is to identify what factors influence UMKM credit in Indonesia, and to determine the effect of UMKM credit on poverty in Indonesia. Based on research results, the BI rate, GRDP, NPL, Number of Branch Offices, and LDR have a significant positive effect and Inflation has a significant negative effect on the total UMKM loan disbursement. Whereas the total UMKM credit has a significant negative effect on poverty in Indonesia.

Kata kunci : UMKM, Kredit UMKM, Kemiskinan