Harmadji, Dwi Ekasari and Sunardi, Sunardi (2022) DETERMINANT SOFT PEOPLE'S BUSINESS LOANS APPLICATION TO MICRO, SMALL AND MEDIUM ENTERPRISES (MSMES) (Study at UMKM Malang City). American Journal of Multidisciplinary Research & Development (AJMRD), 4 (9). pp. 9-15. ISSN 2360-821X

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Abstract

This study intends to determine the influence of the number of Micro, Small and Medium Enterprises (MSMEs), credit interest rates and CPI (Consumer Price Index) partially and simultaneouslyonthenumberofPeople'sBusinessLoans(KUR)forMSMEsinMalangCity.The study used quarterly data obtained from the Financial Services Authority, the Central Statistics Agency, and the Development Planning Agency at Sub-National Level of Malang for the period 2017 – 2021 (5 years). Method of documentation is used for the data collection. Furthermore, the data is analyzed with multiplelinearregressionof do ublelog models. There sults of the study found: 1) thenumberofMSMEs,lendingratesandconsumerpriceindexsimultaneouslyhaveasignificant impact / influence on the number of people's business loans, 2) The number of MSMEs does not haveanimpactonthenumberofpeople'sbusinessloans,3)Interestratesonloanshasasignificant negative impact on the number of people's business loans, and 4) The consumer price index has a positive and significant impact on the number of people's business loans for MSMEs in Malang city.

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