BMT 融资对中小微企业发展的影响

Yoiz Shofwa, Rahmini Hadi
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引用次数: 0

摘要

微型和中小型企业面临的资金问题是,由于无法提供银行可接受的要求,他们很难接触到银行。BMT 的目标是发展生产性企业,投资于提高实体部门经济活动的质量,尤其是微型、小型和中型企业。班尤马斯地区的 BMT 通过各种产品帮助会员解决资金问题。本研究旨在了解班尤马斯地区的中小微企业从 BMT 获得融资后的发展情况。因此,本研究使用了 150 个样本的定量方法和 Wilcoxon Signed Rank Test(两相关样本检验)作为工具。数据分析结果表明,提供融资前后在资本、销售额、收入/利润、客户数量和工人数量等指标上存在显著差异。然后,不同检验的结果表明,提供融资被认为是有效的,因为在提供融资后,不同的结果都朝着积极的方向发展。除员工人数外,分析结果显示,半数样本的员工人数没有增加。
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The Implications of BMT Financing on MSMEs Development
The capital problem faced by MSME businessmen is the difficulty in reaching banks due to the inability to provide bankable requirements. BMT aims to develop productive businesses and invest in improving the quality of economic activity in the real sector, especially micro, small, and medium entrepreneurs. BMT in Banyumas Regency helps members overcome capital problems through a variety of products. This study aims to find out how MSMEs develop after getting financing from BMT in Banyumas Regency. Therefore, this study uses a quantitative approach with 150 samples and the Wilcoxon Signed Rank Test ( two related samples test) as a tool. The results of the data analysis show that there is a significant difference between before and after the provision of financing on indicators of capital, sales turnover, income/profit, number of customers, and number of workers. Then, the results of the different tests show that the provision of financing is considered effective because it has given different results in a positive direction after the provision of financing. Except for the number of workers, the results of the analysis show that half of the sample shows no increase in the use of the number of workers.
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