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Model of Lending Decisions on Small and Medium Enterprises: Case Study in the South of Sumatera

In: Proceedings of the International Conference on Managing the Asian Century

Author

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  • Maulana Ali

    (STIE MURA)

Abstract

The objective of the research is to analyze the effects of 5C (character, capacity, economic conditions, capital, collateral) on performance of partnership programs, collectability and spirituality of partnership program in Region II, South of Sumatera. Data were collected from 250 partners of the Partnership Program of Pertamina Co. Ltd in Region II South of Sumatera and analyzed by path analysis. The results show that the dimensions of 5C (character, capacity, condition of economic, capital, collateral) simultaneously and partially have significant effect on business performance. Also, performance has no direct influence on collectability of partnership program. However, performance and spirituality have an interactive effect on collectability of partnership program.

Suggested Citation

  • Maulana Ali, 2013. "Model of Lending Decisions on Small and Medium Enterprises: Case Study in the South of Sumatera," Springer Books, in: Purnendu Mandal (ed.), Proceedings of the International Conference on Managing the Asian Century, edition 127, chapter 29, pages 255-262, Springer.
    • Handle: RePEc:spr:sprchp:978-981-4560-61-0_29
    DOI: 10.1007/978-981-4560-61-0_29
    as

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