THE ANALYSIS OF BANK CREDIT ASSESSMENT CONCERN ON MICROCREDIT FOR FISHERMEN IN RURAL AREA (CASE STUDY IN RAWA GEMBONG)

Abstract

Microcredit in is defined as a loan below Rp.50 million (US$5,373), a financial product provided by formal and semi-formal financial providers in Indonesia in order to alleviate poverty, empower women and huddle up poor people life. This study is about dominant factor analysis of bank credit assessment concern on microcredit for fishermen in rural area. The research is conducted in Rawa Gembong as one of Daerah Nelayan in Kabupaten Bekasi, it was took 60 respondents by spreading questionnaire with Likert scale method containts five scale of answer in every latent variables and bank credit assessment as indicator. Furthermore, to find the dominant factors, analysis factor is using as statistical tools in this study. The empirical result shown the dominant factor of bank credit assessment which concern on fishermen are the external condition concern on unaccessable to get credit, challanges concern on capital adequacy and credit loan had become a basic need for fishermen. The suggestion that researcher can offer in this research is, the micro institution can create some flexible assessment based on true condition of fishermen, while the basic assessment still from bank credit assessment.