Pengaruh Faktor Demografi Melalui Literasi Keuangan Terhadap Pengambilan Kredit Pada Pelaku UMKM Di Kecamatan Rumbai Kota Pekanbaru

Afriani, Rika (2019) Pengaruh Faktor Demografi Melalui Literasi Keuangan Terhadap Pengambilan Kredit Pada Pelaku UMKM Di Kecamatan Rumbai Kota Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Pengaruh Faktor Demografi Melalui Literasi Keuangan Terhadap Pengambilan Kredit Pada Pelaku UMKM Di Kecamatan Rumbai Kota Pekanbaru ABSTRACT : By : Rika Afriani This study aims to look at the influence of demographic factors consisting of age, education and income on credit decision making with financial literacy as an intervening variable. This research was carried out on UMKM located in Rumbai District, Pekanbaru City. The focus of this study is on business credit recipients or those who take credit. The sample in this study is the people who have and will take credit, have a minimum age of 25 years, have their own income, have run a business more than 1 year, located in Rumbai District and a type of culinary sector trading business. The sampling method uses the Slovin formula, and a sample of 80 UMKM is obtained. The data analysis method used is SEM with the help of the AMOS version 24 program. The results of the study found that micro entrepreneurs in the city of Pekanbaru were generally at a very productive age with the majority of high school / equivalent education levels and the most income> Rp. 6,000,000 - up to Rp. 9,000,000. Financial literacy and credit decision making for micro-entrepreneurs in the Rumbai District of Pekanbaru City are good. And from the tests conducted it is known that demographics consisting of age, education, and income have a significant effect on credit decision making with financial literacy as an intervening variable.

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