Socio-economic factors influencing the decision to take credit for small entrepreneurs on the example of Yogyakarta city in Indonesia

The study aims to figure out the socio-economic factors influencing decision take credit from banks by small entrepreneurs. This research is a quantitative and uses binary logistic regression with Cumulative Distribution Function (CDF) determine form of relationship between factor. Data was collected questionnaire 130 entrepreneurs-representatives licensed business five industries in 2022. samples were taken stratified random sampling. results showed that significant which affect bank gender, education level, markets served, industry, collateral. It concluded Bank Government Yogyakarta could introduce mechanisms encourage entrepreneurs be willing access resources banks.