Determinan Keterlibatan dengan Lembaga Keuangan dan Tingkat Kredit Pedagang Kaki Lima (Studi Kasus di Jalan Babakan Raya, Dramaga)

Abstract

Street vendors are faced with limited access to financial institutions, especially banks as a source of credit and savings management. Besides involved with formal financial institutions, there are also to whom the street vendors involved with the non-formal financial institutions. So far there are some of microfinance institutions for credit acces in accordance with the conditions of street vendors. Street vendors have facilitated to gain access to financial institutions, it is necessary to financial institutions, both formal and non-formal as fund manager so that vendors can improve the welfare through economic productivity. Logistic regression analysis aimed to determine the involvement chance street vendors with financial institution. Factors that influence linkage of associated with financial institutions are venture capital, turnover, working capital, and ownership of the collateral. Multiple linear regression analysis aims to determine the parameter estimates of the explanatory variables of the credit. The factors that influence positively on the credit level of the street vendors are household expenditure and installments amount.