Pengaruh Penyaluran Kredit Usaha Rakyat (KUR), Modal Sendiri, dan Jumlah Tenaga Kerja Terhadap Pendapatan Umkm Debitur Bank BRI Unit Simpang Amplas

Abstract

Income is a description of a person's ability to meet his material needs in a certain time unit, which is commonly used is usually one month. With income, it means that a business is feasible to be maintained even though there are actually several things besides income that can be taken into consideration to continue a business. This study aims to: Determine the influence of community business credit (KUR) on UMKM income, Know the effect of own capital on UMKM income, Determine the effect amount of labor on UMKM income, and Know the joint effect of lending people's business (KUR), own capital, and amount of labor to the income of umkm.. The study was conducted using quantitative methods using multiple regression analysis with a number of respondents as many as 84umkm who received KUR. Sampling Tecnique using the slovin formula. R Square Value shows the effect of 0,768 or 76,8 %. The results showed that the granting of Community Business Credit (KUR) had a positive and significant effect on the income of the UMKM BRI Debtor SimpangAmplas Unit. Own Capital has a positive and significant effect on the income of the UMKM BRI SimpangAmplas Unit Debtor. Amount of labor has a positive and significant effect on the income of the UMKM BRI SimpangAmplas Unit Debtor. Together with the granting of Community Business Credit (KUR), own capital, and amount of labor has a positive and significant effect UMKM Debt income of the BRI Bank SimpangAmplas Unit.