Abstract
This study analyses the factors affecting the depth of outreach of Microfinance Institutions (MFIs) of UED-SP at Rambah Sub-district Rokan Hulu District. Factors thought to influence the depth of outreach is age of UED-SP, ROA, percent of trading sector clients, percent of agriculture sector clients and number of woman clients. The sampling method is done using by purposive sampling. This study obtained a sample of twelve UED-SPs in the village at Rambah District from in the period of 2012-2015. The data used is secondary data form pooled data. Data were obtained based on the financial reports of each of the samples. This study uses quantitative approach with analysis technique used is multiple linear regression analysis with fixed effect method of pooled data that were previously tested with the classical assumption test. Hypothesis testing using t-statistic and the F-statistic with 95% confidence level. Based on the classic assumption test found no variables that deviate. This shows that the available data has been qualified using the linear regression equation model. The results of this study show that depth of outreach are statistically significant infiuenced by age of UED-SP. However, it’s negatively affect on depth of outhreach. Whereas ROA, number of woman borrower, percent of agriculture sector clients and percent of trading sector clients has no affect on depth of outhreach. Predictive ability of these five variables on the depth of outhreach is 77,66 percent, while the 22,34 percent influenced by other factors not included in the research model.
Highlights
PENDAHULUAN Kemiskinan yang terjadi di Indonesia, khususnya di Kabupaten Rokan Hulu Provinsi Riau menjadi masalah yang sangat sulit untuk diselesaikan
The results of this study show that depth of outreach are statistically significant infiuenced by age of Usaha Ekonomi Desa-Simpan Pinjam (UED-SP)
Effects TestCorrelated Random Effects - Hausman Test Equation: Untitled Test cross-section random effects
Summary
Tahap analisis melakukan model Regresi Panel menggunakan uji chow untuk memilih antara model Pooled Least Square (PLS) dan Fixed Effect Model (FEM). Uji Chow Uji chow digunakan untuk memilih salah satu model pada regresi data panel, yaitu antara model efek tetap (fixed effect model) dengan model koefisien tetap (common effect model)/Pooled Least Square. Jika nilai F-hitung > F-tabel maka H0 ditolak, artinya model panel yang baik untuk digunakan adalah Fixed Effect Model, dan sebaliknya. Jika nilai Uji Haussman lebih besar dari nilai Chi-Square tabel, maka model yang digunakan adalah Fixed Effect, artinya H0 diterima. Apabila nilai Uji Haussman lebih kecil dari nilai Chi-Square tabel maka yang digunakan adalah Random Effect, artinya H0 ditolak. Metode yang digunakan dalam t-test adalah dengan cara membandingkan nilai t-hitung dari masing-masing koefisien variabel bebas terhadap nilai t-tabel pada derajat keyakinan 1 persen, 5 persen,atau 10 persen.
Sign-in/Register to view highlights & summary Sign-in/Register to access full text options 
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a callDisclaimer: All third-party content on this website/platform is and will remain the property of their respective owners and is provided on "as is" basis without any warranties, express or implied. Use of third-party content does not indicate any affiliation, sponsorship with or endorsement by them. Any references to third-party content is to identify the corresponding services and shall be considered fair use under The CopyrightLaw.
