![]() ![]() Banyaknya jumlah UMKM yang terkendala masalah pembiayaan mengindikasikan terdapat banyaknya permintaan akan pembiayaan namun belum diimbangi dengan jumah koperasi yang dapat memberikan pembiayaan kepada UMKM. Koperasi merupakan salah satu lembaga keuangan yang dapat memberikan pembiayaan bagi Usaha Mikro, Kecil dan Menengah (UMKM) yang masih terkendala masalah modal. Keywords: cooperative, microfinance, access to finance, household Thus, cooperative development programs should be implemented in areas where there are no financial institutions yet. ![]() However, the density of Cooperative doesn’t significantly influence the household decision to access financing from institutions other than cooperative. The Indonesian government needs to conduct cooperative development programs to increase financial inclusion. The increase in the number of cooperatives will increase financial inclusion as well, which is helpful for people who need loans. The density of cooperative improves the decision taken by households to access financing from Cooperative. ![]() Based on the results of the Multinomial Logit Regression, the density of Cooperative is related to the decision of households to access financing from Cooperative. By identifying the relationship, it would be recognizable whether Cooperative is still becoming a financing alternative or not. The purpose is to identify the relationship between the density of cooperatives and the decision to access Cooperative financing by using Susenas of March 2018 data and a sample of 283,478 households. In this study, Cooperatives’ accessibility is proxied to its density. Indonesia has the largest area where Cooperative is not spread evenly so that many households have difficulties in accessing financing from Cooperative. Many MSMEs are constrained by financing problems, this indicates high demand for funding but there is a limited number of cooperative which can provide financing for MSMEs. ![]() Cooperative is a financial institution capable of providing financing for MSMEs which are still constrained by capital problems. ![]()
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