PENGARUH PEMBERIAN KREDIT DAN PARTISIPASI ANGGOTA TERHADAP PENDAPATAN NASABAH KOPERASI SIMPAN PINJAM (KSP) PRATAMA SURYA MAKMUR GONDANG

USWATUN SOLIKAH, USWATUN SOLIKAH (2019) PENGARUH PEMBERIAN KREDIT DAN PARTISIPASI ANGGOTA TERHADAP PENDAPATAN NASABAH KOPERASI SIMPAN PINJAM (KSP) PRATAMA SURYA MAKMUR GONDANG. Bachelor thesis, UNIVERSITAS ISLAM MAJAPAHIT MOJOKERTO.

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Abstract

ABSTRACT Solikah, Uswatun. 2018. Effect of Credit Giving and Member Participation on Customer Income of Pratama Surya Makmur Gondang Cooperative and Savings Cooperative. Essay. Accounting Study Program, Faculty of Economics, Majapahit Islamic University (UNIM). Counselor 1: Tatas Ridho Nugroho, S.Pd., M.Pd Counselor 2: Nurdiana Fitri Isnaini, SE., MM Until now the interest income found in financial provider entities, especially such as cooperatives, greatly contributed to the overall income of the cooperative. It can be assumed that the greater the amount of credit issued, the greater the possibility of interest income obtained by the cooperative. The activeness of members participating in cooperative financing in the form of principal savings, compulsory savings, voluntary savings and the utilization of various potential services provided by cooperatives will increase cooperative capital, especially working capital and cooperative business turnover. This study aims to determine the effect of credit and member participation on the income of Pratama Surya Makmur Gondang Savings and Loans Cooperative. The research method used in this study is a quantitative method with multiple linear regression analysis. The population in this study were members of Pratama Surya Makmur Gondang Savings and Loan Cooperative. The results showed that the provision of credit and member participation had a simultaneous effect on the income of Pratama Surya Makmur Gondang Savings and Loans Cooperative with a calculated Fvalue (2914,825)> Ftable (9,552) and a significance level of 0,000. Credit granting partially affects the income of customers Pratama Surya Makmur Gondang Savings and Loans with a value of 74,390 tvalue > ttable 2,048 and the participation of members partially does not give effect to the income of Savings and Loan Cooperatives Pratama Surya Makmur Gondang with a value of tvalue 0.227 < ttable 2,048. Keywords: Credit, Participation, Customers

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