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Dahsyatnya Syukur. Dahsyatnya Tambang Liring. Dahsyatnya Tasbih. Dahsyatnya Taubat ; 42 Kisah Orang.. Dahsyatnya Tempe. Dahsyatnya Terapi Alquran. High participation is possible because banks have special program for SMEs like KUR and now bank become closer to the SME as some of Corporate Social Responsibility program, like bank have subsidiary office in traditional market to help SMEs not just to fulfill their capital but also help SMEs to make good production and marketing with mentoring program.
It is make women entrepreneurs more easily to get credit information from the bank. With this group they can sharing information and knowledge to make their business more growth up. With this Group, they can build social capital. Social capital is necessary for women entrepreneur who have lower level education and experience because they can sharing information about how to make good marketing, production, and another information like how to joint exhibition to market their product in this group.
Another thing that will be important from this group is they can help each other when some of their participant have problems to run their business. In terms of access, the high score also significantly different compared with a low score and equal. This suggests to searching credit loan from bank is not to hard to be done for women entrepreneur. Bank Policy that has begun to want to be closer to SMEs with provide a soft loan for SMEs , it make women entrepreneurs no longer have problems in finding information to get credit in the bank. Community group become social capital for women entrepreneurs in business development Gatewood et al, Several studies have shown that the access to bank credit there is no gender bias among women and maen entrepreneur Belluci, Borisov.
Zazzaro: While Muravyev, Talavera, Schafer states that women entrepreneurs in developing countries do not faced gender bias in access to bank credit because bank competitions is high. There for it make easier entrepreneurs both men and women in bank loan access. Bank will be approve their loan based on the capability from the borrower not just from the gender.
In contrast to the aspect of participation and access, control aspects has result show that equal score significantly different with low and high score. This shows that when women entrepreneurs want to make decisions related to the loan, they will be always ask for consideration of their husbands. Credit decisions are taken is a joint decision between husband and wife. This is also supported by the procedures of the bank that requires agreement letter from the husband when women entrepreneurs do credit.
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Table 4. This occur not because Bank done some bias gender when appraisal their proposal. This happened because of a business group that they follow can increase knowledge and insight of women entrepreneurs. With this group make the banks do not reluctant to give loans to women entrepreneurs.
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Another reason is bank more aggressive to disburse loans for SMEs. It make the process of bank credit is now much easier. Another conclusion can be drawn from this study is the presence of some of the community formed by the entrepreneurs of SMEs, making easy access to information. In addition there are companion agencies make this groups more enhancing their capability to help women entrepreneur run their business. Based on results can be seen that some of the myths that exist about women entrepreneurs is not be exist again like women have gender bias to bank loan access.
When women have lower amount loan it happened because they have risk averse preference. For the future research are expected to see gender bias not only in terms of credit demand, but also the supply side of credit bank credit application selection Analysis of Entrepreneurial Intentionality of Students in Faculty of Business Administration and Communication Sciences, Atma Jaya Catholic UniversityAristo Surya and Ati Cahayani Faculty of Business Administration and Communication SciencesAtma Jaya Catholic University Abstract:Entrepreneurship has becoming an important thing recently.
Most people already notices that entrepreneurship is one of the effective ways to diminish unemployment. University, as the place to produce skilled labors, also realizes that entrepreneurship is one of the best ways to create successful graduation. That consideration makes most of university has entrepreneurship classes. But, not all university that has entrepreneurship classes does know the factors that encourage their student to take entrepreneurship classes.
These entrepreneurial intentionality factors will drive their willingness to study more specific on entrepreneurship and encourage them to become young entrepreneur. Looking at this fact, entrepreneurship school seem to have to change its graduates' mind set from looking for a job being an employee to finding and running their own business being entrepreneur. Being challenged by that condition, colleges and universities now are actively placing entrepreneurship curriculum in their program to offer career alternative for the graduates to be entrepreneurs.
This entrepreneurship curriculum makes an effort 53 to change students' mind set from looking for a job to creating a job and lead them to have independent attitude and mentality and the foremost is to find and take the business opportunities. On another side, in the point of view of students, the mind set, attitude and mentality changing is not enough to encourage them to be young entrepreneurs.
There are some distracting factors for them to start to become entrepreneurs.