Akses Wirausaha UMKM Dalan Memilih Sumber Pembiayaan Usaha

Up to year 2005 according to GEMA PKM is only 25% UMKM are using the micri finance. This condition is because the banking system and less spirit to develop the micro finance system. It is also influenced by the micro business owner. The decision to access micro finance constantly within the entrepreneur is influenced by characteristic of the entrepreneur it self, its effort characteristic, and the characteristic of various existing micro financial institution alternative. This research is analysed by econometric model. There are Probit, Logit, Tobit, Meantinomial Logit and of Mcfadden'S Conditional Logit. The result of this research are there are influence of characteristic of enterpreneur characteristic and its effort in inflencing theiru decision to use credit.