KREDIT MIKRO KECIL DALAM UPAYA MENGURANGI RISIKO (Studi Kasus pada PD BPR BKK di Kabupaten Purbalingga)

Kusumawati, Rida (2010) KREDIT MIKRO KECIL DALAM UPAYA MENGURANGI RISIKO (Studi Kasus pada PD BPR BKK di Kabupaten Purbalingga). Working Paper. Pascasarjana Unand. (Unpublished)

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Abstract

In measuring the level of credit risk for micro finance not only depend on monetary indicator but also depend on understanding of debitor candidate himself including characteristic of micro finance entrepreneur and his business profile. The aim of this research was to identify the characteristic of micro finance entrepreneur and his business profile which cause the difference rate of credit return. Responder in this research was PD BPR BKK client which have been noted in the board of industry, trading and co-oporation at Purbalingga District. The results indicate that there is significant difference in characteristic among responder belong to groups of fluent collectibility, less fluent, hesitated and stuck. The characteristic of micro finance entrepreneur and his entrepreneur profile which can explain the difference credit collectibiliy in micro finance bussiness were entrepreneurship, period of business, and omzet yielded. Keywords: Credit risk in micro finance Characteristic of micro finance client

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