INTERNASIONAL

Jurnal 2

Judul : Factors that Influence the Demand for Credit for Credit Among Small-Scale
Investors: a case study of Meru Central District, Kenya

Dipublikasi : 2011

Pengarang : Ms Priscilla N. Wangai

Isu Penelitian Tujuan Teori Metode Penelitian Hasil Penelitian

Penelitian

The recovery of The main Literatur review: a. Lokasi Penelitian The study results
the Kenyan objective was districts of Meru show that
Demand theory
economy that to investigate
b. Variabel dan pengukuranneducation level of
registered a factors that Theory given
variabel an entrepreneur,
steady growth influence
Variabel Bebas the number of
rate of ranging demand for
dependants, and
between 0.5% in credit among ( Independen )
household income
2002, and 6.1% small-scale
-demographic factors
in 2006 (CBS- investors in are significant

GoK, 2007) Meru Central Age factors that

reflected broad- District. Gender influence small-
based expansion scale
Marital status
of credit entrepreneurs to
markets. This is Household size
borrow credit from
demonstrated by -sosio economic factors formal credit
the level of
Household income institutions.
competition
Demand for credit
among credit Education level
lending among women
Occupation
institutions. entrepreneurs in
Each institution Business location the MSE sector
is actively was found to
Business age
marketing their belower compared
own tailor-made Market trade
to their male
credit products Interest rates
counterparts.
that are targeting
Collaterals demanded Based on these
different needs
Loan research findings,
of low income
earners. MSE operators can
Variabel Terikat
However, improve their
despite the high ( Dependen ) participation in
supply of credit, Demand for credit credit market by
MSE operators improving their
c. Populasi dan sampel:
are still
Populasi : business skills and
confining
from individual owners of knowledge plus
themselves to
MSEs in the three districts of maintaining
narrow market
Meru proper accounting
operations where
competition is Sampel : and book-keeping

high and profits systems. The

120 households.
margins are low. government needs
Metode:
to improve
A descriptive reseacrh efficiency of DFIs

d. Jenis dan Sumber Data while at the same

Jenis : time facilitate
participation of
mainly primary data
collected from individual MSE operators in

owners of MSEs in the three local and

districts of Meru international trade
fairs as a way to
 e. Metode expose them to
Pengumpulan Data wider markets. To
Small-scale entrepreneurs achieve gender
engaged in trade activities
balance on credit
(buying and selling of goods),
access from formal
service and manufacturing
financial
activities were sampled using
institutions, there
simple random sampling (rotary
method). Primary data was is need to relax
collected using self some of the
administered structured cultural norms and
questionnaires. Interviewees allow women to
who were not able to interpret have equal share
the questions in the
of family assets so
questionnaire mostly due to
as to empower
their educational level were
them in trade
subjected to oral interview
activities. This may
using researcher administered
questionnaire. call for
government
f. Teknik Analisis Data
intervention.
Descriptive statistic
Logistic regression