Universitas Indonesia Conferences, The 4th International Conference of Vocational Higher Education

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The Effectiveness of Utilizing Business Capital Loans by Micro and Small Entrepreneurs
riane johnly pio

Last modified: 2019-09-19


This study aims to determine the effectiveness of the use of loans and the impact on improving the welfare of micro and small enterprises as well as their perceptions of company X tagline. The population was all micro and small entrepreneurs who became the company X customers in North Sulawesi Province. A sample of 182 micro and small entrepreneurs was proportionally distributed in 4 cities and 5 districts. The data collection process was carried out through interviews and questionnaires, and secondary data was collected through various parties related to the object and subject of the study. The analysis was done by using non-parametric statistic technique. The results showed that the use of funds as a business capital for micro and small enterprises was quite effective in developing the businesses, increasing opinions and welfare. The company tagline had been implemented in business operations and services to customers. It had also been internalized to customers, and still had the relevance to business conditions in the digital era. Customers experienced a high level of satisfaction with the services offered. The company needs to improve services in accordance with the latest business conditions, so that corporate sustainability can be maintained.

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