ANALISIS PEMANFAATAN KREDIT UNTUK PENGEMBANGAN USAHA PADA UMKM DI KOTA SAMARINDA

Ratna Wulaningrum, Muhammad Suyudi

Abstract


Tujuan penelitian ini adalah untuk menganalisis pemanfaatan kredit untuk pengembangan usaha pada UMKM di Kota Samarinda. Sehingga nantinya dapat diperoleh gambaran mengenai faktor-faktor apa saja yang mempengaruhi pelaku UMKM di Kota Samarinda untuk mengajukan dan memanfaatkan kredit usaha untuk pengembangan usaha, serta pengaruh kredit usaha tersebut terhadap omzet penjualan dan laba usaha. Selain itu akan dilakukan analisis terhadap jenis usaha UMKM, omzet yang dihasilkan, jumlah karyawan, umur/lamanya UMKM beroperasi, tingkat pendidikan pemilik UMKM, serta pengalaman usaha pemilik.

Penelitian ini bersifat analisis deskriptif dan empiris, yaitu dengan melakukan pengujian terhadap faktor-faktor yang mempengaruhi pemanfaatan kredit untuk pengembangan usaha oleh pelaku UMKM di kota Samarinda. Hasil uji asumsi klasik data menunjukkan bahwa data terdistribusi secara normal, tidak terdapat autokorelasi, heteroskedastisitas dan multikolonieritas. Hasil penelitian menunjukkan bahwa pemanfaatan kredit untuk pengembangan usaha oleh pelaku/pemilik/ pengusaha dipengaruhi oleh besarnya penjualan dan kepemilikan modal di UMKM tersebut. Sementara itu, variabel independen lain yaitu pendidikan pemilik usaha, usia perusahaan, besarnya aset yang dimiliki perusahaan dan penyajian laporan usaha UMKM tidak memiliki pengaruh terhadap pemanfaatan kredit untuk pengembangan usaha di UMKM.

Kata Kunci: Kredit Usaha, UMKM

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References


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