| dc.description.abstract | This research aimed to analyze the ability of small businesses to access
funds in a bank based on the company's financial ratios and to find the strategies
used to improvefinancial accessibility. The research was done by selecting the
small business respondents in the BRI Gajah Mada Jember. Small scale
enterprises were divided into three types of business, namely staple trade and
home industry, food trade and convection and othertrade. The data used in this
study was the primary data. Primary Data were obtained from interviews with 50
respondents (using the questionnaire in the study) determined by using simple
random sampling technique.The method of analysis was the analysis of financial
ratios used to determine the ability of respondents to the bank to access funds.
SWOT analysis to develop strategy to improve financial accessibility. In
accordance with SIPUK BI. There are four strategic issues that made reference in
formulating the strategy, namely, accounting strategic issue, liquidity issue,
profitability issue and leverage issue. The results of this research showed that
there were three type of businesses which were grouped in the research based on
financial ratios analysis. Theses three type of businesses were, a staple trade and
home industry, food trade and convection had good financial ratio, that was
liquidity ratio and profitability ratio, although the leverage level was still high.
The other trades had financial ratios which were very good, because all aspects of
financial ratio could be obtained well. Appropriate strategies applied by all types
of business strategy trade wasto have accounting records, to rationalize the level
of liquidity, leverage and maintain rationalize the level of profitability. On the
type of other trade business, the strategy of optimal capital use was added. | en_US |
