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The Role of Internet Access for Business Owners in Accessing Kredit Usaha Rakyat (KUR) in Semarang City

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Listed:
  • Wahid, Aqiel Farhan Hafizh

    (Department of Economics and Development Studies, Faculty of Economics and Business, Universitas Diponegoro, Semarang, Indonesia)

  • Rini, Ariska Nurfajar

    (Department of Economics and Development Studies, Faculty of Economics and Business, Universitas Diponegoro, Semarang, Indonesia)

Abstract

This research aims to analyze how internet access affects business owners' decisions to access KUR in Semarang City. The methodology used in this study is quantitative, employing logistic regression analysis with marginal effects, utilizing secondary data from the National Economic and Social Survey (SUSENAS) of Semarang City conducted in 2021. The results reveal a robust positive and statistically significant relationship between internet access and business owners' decisions to access KUR. The availability of the internet equips individuals with valuable resources, information, and a seamless application process, all of which contribute to a heightened inclination towards KUR utilization. Additionally, other variables that demonstrate significant influence include gender, household size, and homeownership status.

Suggested Citation

  • Wahid, Aqiel Farhan Hafizh & Rini, Ariska Nurfajar, 2024. "The Role of Internet Access for Business Owners in Accessing Kredit Usaha Rakyat (KUR) in Semarang City," Diponegoro Journal of Economics (DJOE), Faculty of Economics and Business, Universitas Diponegoro, vol. 13(4), pages 57-68, December.
    • Handle: RePEc:ris:dipjoe:6552
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    References listed on IDEAS

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    6. Wongpit, Piya & Sisengnam, Keuangkham, 2022. "Determinants of Farmers’ Access to Credit in the Lao People’s Democratic Republic," Asian Journal of Applied Economics, Kasetsart University, Center for Applied Economics Research, vol. 29(2).
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    More about this item

    Keywords

    Kredit Usaha Rakyat (KUR); Internet; Socio-Economic Determinants; Logistic Regression;
    All these keywords.

    JEL classification:

    • L14 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Transactional Relationships; Contracts and Reputation
    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements

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