Pengaruh Pembiayaan KUR Terhadap Perkembangan Usaha Mikro Kecil Menengah (UMKM) Jelutung Pada Bank BSI KC Gatot Subroto Kota Jambi

Authors

  • Zamharir Zamharir Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
  • A.Tarmizi M.H.I Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
  • M. Taufik Ridho Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi

DOI:

https://doi.org/10.61132/lokawati.v2i1.463

Keywords:

KUR Financing, MSME business development

Abstract

This thesis is a study that examines the influence of People's Business Credit (KUR) on the development of Jelutung micro, small and medium enterprises (MSMEs) at Bank BSI Kc Gatot Subroto, Jambi City. The purpose of this thesis is to be able to find out the effect of people's business credit (KUR) on the development of MSME businesses and to be able to find out the amount of contributions made by KUR to the business development of customers of Bank Syariah Indonesia Kc Gatot Subroto Jambi City.In this study using quantitative methods with data collection techniques namely observation, questionnaires and documentation. Which is the questionnaire itself as an instrument in collecting data. Then a validity test and reliability test were carried out to ensure the accuracy of each question item in the questionnaire to be used in collecting data. After that, a classic assumption test was carried out to ensure the soundness of the data and a hypothesis test in the form of a (t) test, simple linear regression test and test for the coefficient of determination (R2).The results of this study are as follows: (1) People's Business Credit (KUR) has a significant and positive effect on customer business development as evidenced by the significance of KUR of 1.68107 > 0.05 and also the value of the simple regression results which obtains a value of 0.554 which indicates a positive number so that the influence that KUR has is good or positive on the development of the customer's business. (2) The contribution made by KUR to the development of the customer's business is 0.47.8 or 47.8% and the remaining is 0.552. Or 52.2% is influenced by variables or other factors not mentioned in this study.

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References

A.Literatur.

Alrasyid, “Pengaruh regigukitas , Promosi, Dan pelayanan yerhadap keputusan nasabah memilih kredit usaha rakyat (KUR) Pada Bank Bri KFC MAGELANG.,”

Muhammad Ridwan Basalamah dan Mohammad Rizal, perbankan syariah (jawa timur: Empatdua Media, 2018),

Nurngaeni, Pengaruh Pengetahuan dan Persepsi Mahasiswa Tentang Perbankan Syariah Terhadap Keputusan Menjadi Nasabah di Bank Syariah,

Sugiono, Metode Penelitian Kuantitatif. Kualitatif dan R&D, (Bandung, Alfabeta 2017) Teguh, Metodologi Penelitian Ekonomi , (Jakarta: Raja Grafindo Persada 2015)

B.Skripsi Dan Jurnal

Arifin Achmad Irfan, “Analisis Pengaruh Inflasi Dan Suku Bunga Bank Indonesia Terhadap Kinerja Keuangan Bank Umum Syariah Di Indonesia”, Jurnal Perbankan, 2015,

Ari Syofwan, Peranan Keredit Usaha Rakyat (KUR) terhadap Perkembangan Usaha Menengah Kecil di Kecamatan Gebang (Studi Bank BRI Kecamatan Gebang), Jurnal Perbankan, 2012.

Syam Maulana Idris, “Analisis Kelayakan Pembiayaan Mikro Pada Bank Pembiayaan Rakyat Syariah Al Salaam”, (skripsi UIN Syarif Hidayatullah Jakarta, 2015),

Pengembalian Kredit Usaha Rakyat (KUR) Mikro (Studi Kasus pada Debitur KUR Mikro BRI Unit Kendal Kota)” (PhD Thesis,jurnal Fakultas Ekonomika dan Bisnis, 2014),

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Published

2023-11-24

How to Cite

Zamharir Zamharir, A.Tarmizi M.H.I, & M. Taufik Ridho. (2023). Pengaruh Pembiayaan KUR Terhadap Perkembangan Usaha Mikro Kecil Menengah (UMKM) Jelutung Pada Bank BSI KC Gatot Subroto Kota Jambi. Lokawati : Jurnal Penelitian Manajemen Dan Inovasi Riset, 2(1), 11–27. https://doi.org/10.61132/lokawati.v2i1.463

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