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

Aqiel Farhan Hafizh Wahid () and Ariska Nurfajar Rini ()
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Aqiel Farhan Hafizh Wahid: Department of Economics and Development Studies, Faculty of Economics and Business, Universitas Diponegoro, Semarang, Indonesia
Ariska Nurfajar Rini: Department of Economics and Development Studies, Faculty of Economics and Business, Universitas Diponegoro, Semarang, Indonesia

Diponegoro Journal of Economics (DJOE), 2024, vol. 13, issue 4, 57-68

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.

Keywords: Kredit Usaha Rakyat (KUR); Internet; Socio-Economic Determinants; Logistic Regression (search for similar items in EconPapers)
JEL-codes: L14 O17 (search for similar items in EconPapers)
Date: 2024
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