The Effect Of People's Bussines Credit (KUR) PT. Papua Regional Development Bank Sentani BranchToward Micro Small And Medium Enterprises (MSMEs) In Jayapura District
Abstract
The purpose of this study was to determine the effect of People's Business Credit assistance on MSMES and to determine the increase in income for MSMES. This type of research is a quantitative research. The number of samples is 32 MSMES that take KUR at Bank Papua Sentani Branch. The analytical tools used in this study are data quality tests and simple regression analysis. From the linear regression function above, it can be explained that the Constant Value (a) has a positive value of 15.039 and the regression coefficient value for the People's Business Credit variable has a positive value of 0.606. Obtained t table of 2.04227. And t count 3.054 > 2.04227 t table based on the independent variable People's Business Credit has a positive effect on the dependent variable MSMES income. Judging from the significance of 0.005 it is <0.05 for the People's Business Credit variable. Based on this significant value, it can be said that the independent variable People's Business Credit has a positive effect on the dependent variable MSMES income. Based on the results of the research that has been done, it can be concluded that the People's Business Credit obtained from the Sentani Branch of Bank Papua is very influential on the income of MSMES in Jayapura Regency. And the income of MSMES in Jayapura Regency has increased and can develop their businesses after using People's Business Credit at PT. Papua Regional Development Bank Sentani Branch
Keywords
Full Text:
PDFReferences
Abdulkadir Muhammad dan Rilda Murniati, Segi Hukum Lembaga Keuangan dan Pembiayaan, Citra Aditya Bakti, Bandung, 2000. Abdulkadir
Muhammad, Hukum Perdata Indonesia, PT.Citra Aditya Bakti, Bandung.
Anggoro, A. 2014. Dampak Program Kredit Usaha Rakyat (KUR) terhadap Pendapatan dan Kesempatan Kerja Usaha Mikro Kecil dan Menengah (MSMES) di Kecamatan Kasembon Kabupaten Malang (Studi Kasus di Bank BRI Unit Kasembon).
Anggraeni, F. D., Hardjanto, I., & Hayat, A. (2013). Pengembangan usaha mikro, kecil, dan menengah (MSMES) melalui fasilitasi pihak eksternal dan potensi internal. Jurnal Administrasi Publik, 1(6), pp. 1286–1295.
Aribawo, I. K. A., Faisal, M., & Husnah, H. (2019). Pengaruh Kredit Usaha Rakyat Terhadap Profitabilitas MSMES di Kabupaten Parigi Moutong. Jurnal Ilmu Manajemen Universitas Tadulako (JIMUT), 5(1), 31-41
Arie Frits Kawulur, Noula Mawitjere, Hisky Kawulur (2021) Journal of International Conference Proceedings (JICP) Vol. 4 No. 1 (2021) Print ISSN: 2622-0989 / Online ISSN: 2621-993X DOI: https://doi.org/10.32535/jicp.v4i1.1138
Berger, A.N. and Udell, G.F. (1998) The Economics of Small Business Finance: The Roles of Private Equity and Debt Markets in the Financial Growth Cycle. Journal of Banking and Finance, 22, 613-673.
Darwanto. (2013). Peningkatan Daya Saing. MSMES Berbasis Inovasi dan. Kreativitas (Strategi Penguatan. Property Right Terhadap Inovasi dan Kreativitas). Jurnal Bisnis dan. Ekonomi (JBE) , 142-149.
Gustika, R. (2016). Pengaruh Pemberian Kredit USAha Rakyat terhadap Pendapatan Masyarakat Ladang Panjang Kec. Tigo Nagari Kab. Pasaman (Studi Kasus Masyarakat Pemilik UKM. Jurnal Apresiasi Ekonomi, 4(2), 107-115.
Iztihar, I. (2018). Analisis pengaruh kredit usaha rakyat terhadap penanggulangan kemiskinan, pengembangan usaha kecil dan perekonomian di indonesia (Doctoral dissertation, Universitas Brawijaya).
I Komang Adi Antara, Luh Putu Aswitari. 2016. Beberapa Faktor Yang Mempengaruhi Pendapatan Pedagang Kaki Lima Di Kecamatan Denpasar Barat. E-Jurnal Ekonomi Pembangunan Universitas Udayana Vol.5, No.11 Kuncoro, M. 2012. Perencanaan Daerah "Bagaimana membangun ekonomi lokal
Jaya, T. J. (2018). Analisis pengaruh kredit usaha rakyat terhadap nilai produksi usaha mikro kecil di kota Metro. Jurnal Ekonomi Pembangunan, 7(3), 285-294.
Muljono, Teguh Pudjo, 1990. Menejemen Perkreditan Bagi Bank Komersiil, BPEF, Yogyakarta Nabila, Habibie. 2013.
Nurafrina Siregar, Arlina Nurbaity Lubis, Endang Sulistya Rini, Beby Karina Fawzeea Sembiring (2021) Journal of International Conference Proceedings (JICP) Vol. 4 No. 3, 364-370, December, 2021 P-ISSN: 2622-0989/E-ISSN:2621-993X Https://www.ejournal.aibpm.org/index.php/JICP.
Putra, Gede Surya Prtama.,dan Mustika, Made Dwi Setyadhi.2014.Efektivitas Program Jamkrida Dan Dampak Terhadap Pendapatan Dan Penyerapan Tenaga Kerja MSMES.E-Jurnal Ekonomi Pembangunan Universitas Udayana.Vol.3.No(12)Hal:549-557
Siagian, M., Kurniawan, P. H., & Hikmah, H. (2019). Analisis Faktor Eksternal Dan Internal Terhadap Kinerja MSMEs Di Kota Batam. Jesya (Jurnal Ekonomi&Ekonomi Syariah), 2(2), 265–271. https://doi.org/10.36778/jesya.v2i2.107 .
Suhardjono, 2003. Manajemen Perkreditan Usaha Kecil dan Menengah, UPP-AMP YKPN Yogyakarta
Sholhuddin,Muhammad.2013.Tantangan Perbankan Syariah Dalam Perannya Mengembangkan MSMES.Proceeding Seminar Nasional DanCall For Paper Sancall.Surakarta.Hal:496-500.
Supriyanto. (2006). Pemberdayaan Usaha Mikro, Kecil, dan Menengah (MSMES) sebagai Salah Satu Upaya Penanggulangan Kemiskinan.
Wijayanto (2013), in the journal "Ekuitas" Vol. 3, No. 1, August 2021, Pages 21- 28, ISSN 2685-869X (online media), DOI 10.47065/ekuitas.v3i1.1024
DOI: https://doi.org/10.32535/ijafap.v7i1.2880
Refbacks
- There are currently no refbacks.
Copyright (c) 2024 mugiati mugiati
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Published by:
AIBPM Publisher
Editorial Office:
JL. Kahuripan No. 9 Hotel Sahid Montana, Malang, Indonesia
Phone: +62 341 366222
Email: adm.ijafap@gmail.com
Website: http://ejournal.aibpmjournals.com/index.php/IJAFAP
Supported by: Association of International Business & Professional Management
If you are interested to get the journal subscription you can contact us at adm.ijafap@gmail.com or if you have any enquiry, contact us via WhatsApp.
ISSN 2684-9763 (Print)
ISSN 2655-6502 (Online)
DOI: Prefix 10.32535 by CrossREF
International Journal of Accounting & Finance in Asia Pasific (IJAFAP) INDEXED:
In Process
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.