IMPLEMENTASI KEBIJAKAN PENYALURAN KREDIT DAN PENGARUHNYA TERHADAP PERKEMBANGAN USAHA MIKRO, KECIL DAN MENENGAH (UMKM)

Abstract

This study aims to determine how the effects of the implementation oflending policy to Micro, Small and Medium Enterprises (SMEs) businessdevelopment. The research population are all customers of PT. Siak capitallocated in Sabak Auh District totally 149 clients, purposive sampling was used assampling technique, then sample size 75 customers. Independent variable which islending policy have 4 dimensions, they are lending terms, lending requirements,lending collaterals, ethics code of lending and the credit management, lastly thelevel of credit collectibility. The results showed that there is significant effectsbetween lending policies to business development of SMEs.