PENGARUH PEMBERIAN KREDIT USAHA MIKRO DAN LOKASI USAHA TERHADAP PENDAPATAN UMKM (Studi Kasus Pada Nasabah PD. BPR Artha Tugu Malang)

RINI AGUSTINA, RINI AGUSTINA (2019) PENGARUH PEMBERIAN KREDIT USAHA MIKRO DAN LOKASI USAHA TERHADAP PENDAPATAN UMKM (Studi Kasus Pada Nasabah PD. BPR Artha Tugu Malang). Bachelor thesis, UNIVERSITAS ISLAM MAJAPAHIT MOJOKERTO.

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Abstract

ABSTRACT Agustina Rini. 2018. The influence the granting of Credit and micro enterprise businesses Against Revenue Micro Small And Medium Enterprises at PD. BPR Artha Tugu Malang This thesis was not published. accounting Study Program Faculty of Economics Majapahit Islamic University at Mojokerto Lecturer I : Tatas Ridho Nugroho, S.Pd., M.Pd. Lecture II : Nurdiana Fitri Isnaini, SE., MM Micro Small And Medium Enterprises have huge potential and very broad in order to develop and improve this economy back. His role in pushing the pace of economic growth and the absorption of the workforce is expected to be a first step to development efforts. But the limitations of capital will restrict the space entrepreneur in running its business as well as improving and pendapatanya. With very limited capital ownership as well as the very difficulty of obtaining capital from outside makes it increasingly difficult for small merchants to develop his business and revenues. This research aims to know the influence of granting credit and micro enterprise businesses Against Revenue Micro Small And Medium Enterprises in PD. BPR Artha Tugu Malang. Type of this research is quantitative research. The population in this research is the population in this study are all the small traders into client PD. BPR Artha Tugu Malang as much as 57 merchant. The sampling technique used is the total sampling techniques. So great samples on this research as much as 57 respondents. Engineering data collection using the questionnaire by means of distributed to respondents. Technique of data analysis in research using multiple linear regression analysis. Hypothesis testing using simultaneous test (test F) and partial test (test t) hypothesis testing using simultaneous test (test F) and partial test (test t) using SPSS program version 23.0. Research results based on the validity of the Test showed that the entire instrument of research is said to be valid and reliability. Based on results of test of hypothesis shows that simultaneously obtained significant levels of test results F = 0.000 < 0.05 (level of significant) and partially independent variables data obtained (granting credit and microenterprises) have value of the nilain significance can be expressed so that 0.05 < partially the second independent variable and simultaneous effect on the income of small traders. Based on the value of beta coefficient shows between the two variables (the granting of microcredit and business location) the dominant effect against small merchants revenues in PD. BPR Artha Tugu Malang is variable location efforts. Key words : Granting Of Credit, Businesses Against Revenue, Micro Small And Medium Enterprises

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