Analysis Of Aceh Province Kur Bsi Financing On Increasing Income Of Small Medium Enterprise Customers
DOI:
https://doi.org/10.61306/ijmea.v1i2.36Keywords:
Distribution, Length of Business, MSME Customer Income, Productivity, Selling PriceAbstract
This research aims to determine and analyze the factors of people's business credit (KUR), business development, workforce, productivity, distribution, business location, selling price, length of business relevant to increasing the income of MSME customers in Aceh Province. The factors studied are people's business credit (KUR), business development, workforce, productivity, distribution, business location, selling price, length of business relevant to increasing the income of MSME customers in Aceh Province and these relevant factors have a positive and significant effect on MSME customer income. With a sample size of 253 respondents, the data was collected by distributing questionnaires and processing the data using the Confirmatory Factor Analysis (CFA) analysis method and multiple linear regression analysis methods. This research is motivated by the development of the potential of Micro, Small and Medium Enterprises (MSMEs) in Indonesia which cannot be separated from banking support in channeling financing to MSME entrepreneurs. To reduce the problems faced by MSMEs, the government is trying to issue a People's Business Credit (KUR) program. Based on the results of the Confirmatory Factor Analysis (CFA) test in the KMO and Bartlett's test tables, it shows that selling price, productivity, distribution and length of business have a significant effect on the income of MSME customers in Bener Meriah Regency, Aceh. And the results of multiple linear regression testing show that the results of partial hypothesis testing show that selling price, productivity, distribution and length of business have a significant effect on the income of MSME customers in Bener Meriah Regency, Aceh.
References
Afifah, F. (2021). Analisis Implementasi Sistem Pembiayaaan Ib Mikro Syariah Pada Bank Dki Syariah Cabang Depok . Jurnal Islamic Banking Dan Finance, 1-13.
Angraini, L. (2018). Akses Umkm Terhadap Pembiayaan Mikro Syariah Dan Dampaknya Terhadap Perkembangan Usaha : Kasus Bmt Tadbiirul Ummah Kabupaten Bogor. Jurnal Manajemen Syariah , 1-12. DOI: https://doi.org/10.29244/jam.1.1.56-67
Arif, M. (2020). Pengaruh Pembiayaan Mikro Terhadap Perkembangan Usaha Mikro Kecil Menengah (Umkm). Jurnal Ekonomi Islam , 1-23. DOI: https://doi.org/10.55606/jurimea.v1i3.31
Bankbsi.Co.Id
Bhakti, Nagara, Nauli Siregar, And Bakhtiar Efendi. N.D. “Financial Policy Framework In Support Of Sustainable Development In Indonesia.” 3(2):339–45. DOI: https://doi.org/10.53695/injects.v3i2.838
Faried, Annisa Ilmi, Universitas Pembangunan, Panca Budi, Rahmad Sembiring, Universitas Pembangunan, Panca Budi, Uswatun Hasanah, Universitas Pembangunan, And Panca Budi. 2022. Pembangunan Ekonomi Pertanian Perdesaan Melalui Potensi Integrasi Tanaman Cabe Dan Ternak Ayam.
Faried, Annisa Ilmi, Rahmad Sembiring, And Uswatun Hasanah. 2022. “A Chicken Farm And Chilli Plants In Cingkes Village For Agricultural Development And Economic.” (March 2023). Doi: 10.33258/Birci.V5i3.6442.
Faried, A. I., Hasanah, U., Sembiring, R., & Agustin, R. R. (2022). Pilar Membangun Ekonomi Melalui Umkm Sebagai Peluang Penyerapan Tenaga Kerja Di Indonesia. Jurnal AKMAMI (Akutansi, Manajemen, Ekonomi,), 2(3), 611–616.
Faried, A. I., Purba, B., Hasliah, Manaf, S., Rozaini, N., Nugraha, N. A., Susilowati, E., Anas, A., Nurhaedah, Wisnujati, N. S., Amruddin, & Agusta, R. (2022). Bisnis dan Perekonomian Indonesia. Yayasan Kita Menulis.
Faried, A. I., & Sembiring, R. (2019). Perekonomian Indonesia: Antara Konsep dan Realita Keberlanjutan Pembangunan. Yayasan Kita Menulis.
Faried, A. I., Sembiring, R., & Hasanah, U. (2021). Peningkatan Penyetaraan Gender Terkait Kualitas SDM Dalam Rangka Pemberdayaan UMKM. Seminar Nasional Teknologi Edukasi Dan Humaniora, 1055–1066.
Fadhila, N. (2015). Analisis Pembiayaan Mudharabah Dan Murabahah Terhadap Laba Bank Syariah Mandiri. Jurnal Akuntansi Dan Bisnis, 1-13.
Ftriana, W. (2016). Lembaga Keuangan Mikro Syariah : Eksistensi Dan Aksesibilitas Bagi Pembiayaan Usaha Tani Di Sumatera Barat (Studi Kasus Koperasi Jasa Keuangan Syariah (Kjks) Baitul Maal Tamwil Bmt)). Jurnal Agribisnis Indonesia , 1-14. DOI: https://doi.org/10.29244/jai.2016.4.2.149-162
Hastuti, P., Nurofik, A., Purnomo, A., Hasibuan, A., Aribowo, H., Faried, A. I., Tasnim, Sudarso, A., Soetijono, I. K., Saputra, D. H., & Simarmata, J. (2020). Kewirausahaan UMKM. In A. Rikki (Ed.), KEWIRAUSAHAAN DAN UMKM . Yayasan Kita Menulis
Herlinawati, E. (2017). Analisis Pendapatan Umkm Sebelum Dan Sesudah Menerima Kredit Tunas Usaha Rakyat (Suatu Kasus Pada Usaha Mikro Binaan Bank Btn Syariah Di Kecamatan Ciwidey Kabupaten Bandung Tahun 2012-2016). Jurnal Indonesia Membangun, 1-13.
Husaeni, U. A. (2019). Pengaruh Pembiayaan Mikro Syariah Terhadap Tingkat Perkembangan Usaha Mikro Kecil Menengah (Umkm) Pada Anggota Bmt Di Jawa Barat. Jurnal Manejemen , 1-10. DOI: https://doi.org/10.37888/bjrm.v2i1.122
Indah Sari, Wahyu, Lia Nazliana Nasution, Ade Novalina, And Program Studi Ekonomi Pembangunan. 2021. “Analisis Leading Indicator Kebijakan Moneter Dalam Mengatasi Kemiskinan Di 5 Negara Asia Tenggara.” Analisis Pengaruh Pdrb Dan Inflasi Terhadap Kemiskinan Di Provinsi Sulawesi Tengah (2000-2018) 6(2):610–18.
Kiki Hardiansyah Siregar, Nazamuddin Ritonga, Bakhtiar Efendi, And Dewi Mahrany Rangkuty. 2023. “Pemberdayaan Masyarakat Tao Gadong Dalam Upaya Meningkatkan Kesejahteraan Desa Janji Matogu Kecamatan Porsea Kabupaten Toba.” Joong-Ki : Jurnal Pengabdian Masyarakat 2(2):302–6. Doi: 10.56799/Joongki.V2i2.1605. DOI: https://doi.org/10.56799/joongki.v2i2.1605
Kara, M. (2018). Konstribusi Pembiayaan Perbankan Syariah Terhadap Pengembangan Usaha Mikro Kecil Dan Menengah (Umkm) Di Kota Makassar. Jurnal Ekonomi Islam , 1-34.
Letik, Andreas. 2019. “Pengelolaan Dana Desa Dalam Meningkatkan Kesejahteraan Masyarakat Di Desa Fatukoto Kecamatan Mollo Utara Kabupaten Timor Tengah Selatan Provinsi Nusa Tenggara Timur.” Jurnal Ilmiah Wahana. DOI: https://doi.org/10.33701/jiwbp.v9i1.349
Lubis, Annisa Ilmi Faried, Rahmad Sembiring, And Wahyu Indah Sari. 2020. “Era Ekonomi Baru Terhadap Potensi Pengembangan Wilayah Untuk Memperkuat Ketahanan Pangan Sampai Tahun 2025.” Jepa 5(1):22–33Bhakti Praja 9(1):31–52.
Mutiara, D. A. (2019). Engaruh Pemberian Pembiayaan Modal Kerja Terhadap Peningkatan Pendapatan Usaha Nasabah Bni Syariah Kantor Cabang Medan . Jurnal Paradigma Msyarakat , 1-7.
Nasution, Diwayana. 2020. “Analysis Of SME’s Industry Influence On Economic Growth In Indonesia.” Doi: 10.4108/Eai.4-12-2019.2293833. DOI: https://doi.org/10.4108/eai.4-12-2019.2293833
Nasution, Diwayana Putri. 2019. “The Development Of Demand For Small And Medium Industries In Indonesia.” International Journal Of Innovative Science And Research Technology 4(10):555–60.
Nasution, Diwayana Putri, Lia Nazliana Nasution, And Ade Novalina. 2022. “Peningkatan Pemahaman Siswa Tentang Teori Kesejahteraan Pada Usaha Mikro Kecil Di SMAN 3 Medan.” Jurnal Pengabdian … 1(6):875–82.
Nasution, Diwayana Putri, Lia Nazliana Nasution, And Wahyu Indah Sari. 2020. “Pengaruh Ekowisata Terhadap Kesejahteraan Masyarakat Di Kabupaten Samosir.” Jurnal Kajian Ekonomi Dan Kebijakan Publik 5(1):1–8.
Nasution, L. N., D. P. Nasution, And A. I. F. Lubis. 2020. “Efektivitas Kebijakan Fiskal Dan Moneter Dalam Mengatasi Kemiskinan Di Provinsi Sumatera Utara.” Jepa 5(1):1–5.
Nasution, Lia Nazliana. 2019. “Kajian Tingkat Kemiskinan Di Kabupaten Batu Bara Provinsi Sumatera Utara Pasca Pemekaran.” Ekonomikawan: Jurnal Ilmu Ekonomi Dan Studi Pembangunan 19(1):13–20. Doi: 10.30596/Ekonomikawan.V19i1.3235. DOI: https://doi.org/10.30596/ekonomikawan.v19i1.3235
No, Vol, Edisi Maret, Analisis Resiko, Kesehatan Kerja, K. Pada, Esterlina W. Akely, And Habel Taime. 2022. “Journal Of Economics And Regional Science P-Issn : 2776-2939 E-Issn : 2776-3196.” 2(1):33–48. DOI: https://doi.org/10.52421/jurnal-esensi.v2i1.210
Nugroho, L. (2018). Persepsi Pengusaha Umkm Terhadap Peran Bank Syariah . Jurnal Usbypkp, 1-14. DOI: https://doi.org/10.32897/jsikap.v3i1.115
Rahayu, S. (2019). Pengaruh Pembiayaan Mikro Ib Hasanah Terhadap Peningkatan Pendapatan Usaha Mikro Kecil Menengah (Studi Bni Syariah Kcp Gowa). Jurnal Perbankan Syariah , 1-115.
Rusiadi, N. S. (2015). Metode Penelitian- Manajemen, Akuntansi Dan Ekonomi Pembangunan Konsep, Kasus Dan Aplikasi Spss, Eviews, Amos, Lisrel Cet. Ke-2. Medan: Usu Pers.
Rosliana, Rosliana, Oktarini Khamilah Siregar, Rusiadi Rusiadi, Ade Novalina, Bhaktiar Efendi, Lia Nazliaan Nasution, Suhendi Suhendi, And Diwayana Putri Nasution. 2022. “Quality Based Productivity Of Fertilizer, Technology And Capital.” Proceeding Of The International Conference On Economics And Business 1(1):65–71. Doi: 10.55606/Iceb.V1i1.183. DOI: https://doi.org/10.55606/iceb.v1i1.183
Sanjani, M. R. (2021). Preferensi Nasabah Pelaku Umkm Dalam Menggunakan Dalam Menggunaka Pembiayaan Bank Syariah Indonesia (Studi Kasus Umkm Kota Mataram Nusa Tenggara Barat). Jurnal Ilmiah Ekonomi Islam , 1-13. DOI: https://doi.org/10.29040/jiei.v7i1.2242
Sari, D. O. (2017). Pengaruh Pembiayaan Modal Kerja Terhadap Peningkatan Pendapatan Usaha Nsabah Bank Btn Syariah Palembang. Jurnal Ekonomi Dan Bisnis, 1-120.
Sartika, S. H., Mashud, Hasan, M., Syam, A., Susilowati, E., Purba, B., SN, A., Jufri, M., Faried, A. I., Rosihana, R. E., Raditya, & Amruddin. (2022). Ekonomi Kreatif. Yayasan Kita Menulis.
Sebayang, Saimara, Ade Novalina, Anggi Pratama Nasution, And Lusia Sinta Rohana Panggabean. 2019. “An Empirical Investigation Of The Factors Influencing Village Development: A Confirmatory Factor Analysis.” 64:134–45. Doi: 10.2991/Piceeba2-18.2019.118. DOI: https://doi.org/10.2991/piceeba2-18.2019.118
Sembiring, Rahmad. 2018. “Pengaruh Nilai Tukar Nelayan (Pendapatan Nelayan, Pendapatan Non Nelayan, Pengeluaran Nelayan, Pengeluaran Non Nelayan) Terhadap Kesejahteraan Masyarakat (Pendidikan,Kesehatan, Kondisi Fisik Rumah) Di Desa Pahlawan.” Jurnal Abdi Ilmu 10(2):1836–43.
Sembiring, Rasmulia. 2016. “Impact Of Human Resources’ Knowledge And Skills On Smes’ In Medan City, Indonesia.” International Journal Of Management 5(3):95–104.
Sihotang, M. (2021). Strategi Pembiayaan Umkm Dalam Meningkatkan Usaha Nasabah Pada Masa Covid-19 (Studi Kasus Pt. Bank Sumut Cabang Syariah Sibolga) . Jurnal Perbankan Syariah , 1-114.
Silalahi, P. R. (2022). Efektivitas Penerapan Islamic Microfinance Melalui Pembiayaan Mikro Dalam Pengembangan Usaha Dan Peningkatan Pendapatan Nasabah Umkm (Studi Kasus Pada Bank Syariah Di Kota Medan). Jurnal Jikem, 1-19,
Ubaidillah, M. I. (2020). Implementasi Kebijakan Relaksasi Pembiayaan Umkm Terdampak Covid-19 Dan Manajemen Resiko Force Majeure Pada Lembaga Keuangan Syariah (Survei Nasabah Pembiayaan Umkm Di Pasar Winduaji Patuguruan) . Jurnal Perbankan Syariah, 1-98.
Wardani, Dewi Kusuma, And Ratih Ranika Putri Utami. 2020. “Pengaruh Transparansi Pengelolaan Keuangan Dana Desa Dan Pemberdayaan Masyarakat Terhadap Kesejahteraan Masyarakat Desa Sidoharjo.” Kajian Bisnis STIE Widya Wiwaha 28(1):35–50. Doi: 10.32477/Jkb.V28i1.376. DOI: https://doi.org/10.32477/jkb.v28i1.376
Yaya, R. (2020). Analisis Penerapan Islamic Social Reporting Dan Tata Kelola Lembaga Keungan Mikro Syariah Dalam Mendorong Mobilitas Sosial Nasabah. Jurnal Akuntansi Terapan , 1-15. DOI: https://doi.org/10.18196/jati.030226
Yusuf, Mohammad, Uswatun Hasanah, Fakultas Sosial Sains, Universitas Pembangunan, And Panca Budi. 2019. “Determination Of Productivity And Welfare Of Farmers In Langkat District Diwayana Putri Nasution , Annisa Ilmi , Rahmat Sembiring,.” 10(6):38–43. Doi: 10.9790/5933-1006013843.
Downloads
Published
Issue
Section
License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
COPYRIGHT
Copyright on any article in the International Journal of Management, Economic and Accounting is fully held by the author under a Creative Commons Attribution-ShareAlike 4.0 International License.
- The author acknowledges that the International Journal of Management, Economic and Accounting has the right to publish for the first time with a Creative Commons Attribution-ShareAlike 4.0 International License - CC BY-SA license.
- Authors can enter articles separately, arrange non-exclusive distribution of manuscripts that have been published in this journal into other versions (eg: sent to institutional respository of authors, publications into books, etc.), by acknowledging that the manuscript has been first published in the National Journal of Computer Technology (JNASTEK).
LICENSE
The International Journal of Management, Economic and Accounting is published under the terms of the Creative Commons Attribution-ShareAlike 4.0 International License. This license permits any person to copy and redistribute this material in any form or format, modify, alter , and create derivatives of this material for any purpose, including commercial interests, as long as they credit the author for the original work.
