Analisis Pemberian Modal Kredit Terhadap Peningkatan Pendapatan Pedagang Kecil Menengah Di Kecamatan Cipayung Jakarta Timur
Abstract
Tujuan dari penelitian ini adalah mengetahui apakah ada perbedaanpendapatan setelah mendapatkan modal kredit dari suatu instansi tertentu.Penelitian ini merupakan jenis penelitian deskriptif kuantitatif. Penelitian inidilakukan di 8 kelurahan yang ada di kecamatan Cipayung, Jakarta Timur. Sampel dalam penelitian ini sebanyak 50 responden. Teknik pengambilan sampelberdasarkan proportional random sampling. Teknik pengambilan data berupapenyebaran kuesioner dan menggunakan skala pengukuran likert. Metode analisisdata pada penelitian ini meliputi Uji validitas, Uji reliabilitas, Uji asumsi klasik,dan Uji hipotesis t dan f. Berdasarkan uji t , modal kredit berpengaruh terhadap peningkatanpendapatan terbukti karena hasil uji t hasil output dapat dihitung sebesar 2,843dan signifikan 0,007. T tabel dapat dilihat pada tabel statistik pada signifikan 0,05dan derajat bebas n-1 atau 50-1 = 49, sementara itu hasil yang diperoleh untuk ttabel sebesar 1,67. Jadi, 2,843 > 1,67 dan 0,007 < 0,05 maka Ho ditolak. Dapatdisimpulkan modal kredit berpengaruh terhadap peningkatan pendapatan.
Kata kunci: Usaha Mikro dan kecil, pembiayaan, dana
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