| Author | Koeswidijono, Raden |
| Call Number | AIT Thesis no.HS-89-02 |
| Subject(s) | Credit--Indonesia
|
| Note | A thesis submitted in partial fulfilment of the requirements for
the award of the degree of Master of Science, School of Engineering and Technology |
| Publisher | Asian Institute of Technology |
| Series Statement | Thesis ; no. HS-89-02 |
| Abstract | Adequate financing is the crucial factor for the rapid and
sustained development of any industries. To overcome constraints,
the Indonesian Government has devised financial assistance to
small entrepreneurs since December 1973. The data reflect the
progress made over the period 197~ to 1988, making it feasible to
assess and identify to what extent bank credit had an impact on
small-scale industry development.
The study covers urban and rural areas and includes five
types of industries in accordance with the International Standard
Industrial Classification. It emphasizes the impact of nine
selected performance indicators on activities, borrowers and
small-scale industry units. The study also analyzes problems in
securing credit and corresponding problems on the part of the
entrepreneurs.
The Scoring System is used to determine the impact on
borrowers and small-scale industry units. Impact on borrowers is
measure d by the level of success as expressed by them. Impact on
small- scale industry units is measured by the level of
development as reported by the entrepreneurs. The impact of
volume (amount) of loan on level of success is determined along a
continuum ranging from success to failure.
It is discovered that there were no difficulties in
securing credit, as the state and commercial banks were helpful
to entrepreneurs. Those performance indicators which remained
unchanged include wages , capital accumulation and management
efficiency. Other indicators were found improved. Most
entrepreneurs had reportedly operated their business with
moderate or little success . The SSI units attained either little
or no development. It is evident that overall impact the bank
credit is rather weak, given the fact that t he larger the amount
of loan , the higher is the degree of success, particularly among
entrepreneurs in urban areas. In urban areas the loan amount
ranged between Rp. 10 - 15 million, and in rural areas t he
optimum volume of loan range from Rp . 5 - 10 million.
Another important finding relates to entrepreneurs '
management efficiency covering skill in both management of
production and of marketing which had not been improved.
Since this study does not differentiate the nine selected
indicators in quantitative terms, further research is proposed
with a focus on establishing the relative importance of each
indicator, possibly in a set of even more than the nine
indicators studied so far. |
| Year | 1989 |
| Corresponding Series Added Entry | Asian Institute of Technology. Thesis ; no. HS-89-02 |
| Type | Thesis |
| School | School of Engineering and Technology (SET) |
| Department | Other Field of Studies (No Department) |
| Academic Program/FoS | Human Settlement (HS) |
| Chairperson(s) | Setty, E. Desingu |
| Examination Committee(s) | Weber, Karl E. ;Amin, A.T.M. Nurul
|
| Scholarship Donor(s) | MUCIA - USAID - General Participant
Training II Project ; |
| Degree | Thesis (M.Sc.) - Asian Institute of Technology, 1989 |