Analysis of the Influence of Village Characteristics on the Presence of Credit Facilities in Boyolali

Abstract

Credit facilities play a vital role in supporting community financing, particularly in the development of micro and small industries, which serve as essential pillars of the local economy. The increasing use of information and communication technology has provided new opportunities for these industries to enhance their operational efficiency and competitiveness. However, geographical factors remain a challenge, especially in rural areas where access to credit is often limited due to distance and infrastructure. This study aims to examine the influence of village characteristics on the presence of credit facilities in Boyolali Regency. By understanding how location-related factors affect credit access, this research contributes to the broader discussion on inclusive financial development and rural economic empowerment.