ANALISIS KEMAMPUAN MENGAKSES DANA PADA USAHA KECIL (STUDI KASUS PADA NASABAH KREDIT DI BRI UNIT GAJAH MADA JEMBER)

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.