Abstract:This study aims to examine and analyze the determinants of the MSME's low absorption of bank credit. The determinant variables observed were business characteristics, management administration, resources, and performance of MSMEs. Each of these factors consists of several indicators that play a role in determining the capacity of MSMEs. The research analysis method uses confirmatory factor analysis (CFA) to confirm the effect of each indicator. The results showed that all the indicators tested had a significan… Show more
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