ANALISIS PENGARUH KREDIT PERBANKAN TERHADAP PERKEMBANGAN UMKM DI PROVINSI JAMBI (STUDI SEBELUM DAN SAAT COVID 19)

kandoyo, kandoyo (2021) ANALISIS PENGARUH KREDIT PERBANKAN TERHADAP PERKEMBANGAN UMKM DI PROVINSI JAMBI (STUDI SEBELUM DAN SAAT COVID 19). S1 thesis, ekonomi pembangunan.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk 1).Menganalisis perkembangan penyaluran kredit UMKM sebelum dan saat Covid-19. 2). Menganalisis perbedaan penyaluran kredit UMKM sebelum dan saat Covid-19. 3). Menganalisis pengaruh kredit perbankan terhadap perkembangan jumlah UMKM di Provinsi Jambi. penelitian ini menggunakan analisis deskriptif dan kuantitatif. Untuk menganalisis penelitian ini digunakan Model Uji Paired t-Test dan Model Regresi Linear Berganda dengan bantuan perangkat lunak Eviews 8 dan Ms.Excel 2010. Ada beberapa temuan empiris yang terungkap dalam penelitian ini.Pertama, Perkembangan kredit UMKM sebelum dan saat Covid-19 selama tahun 2019-2020, perkembangannya cendrung berfluktuatif namun secara rata-rata mengalami penurunan.Kedua, perbedaan penyaluran kredit UMKM sebelum dan saat Covid-19 pada periode 2019-2020 menunjukan bahwa tidak terdapat perbedaan yang signifikan sebelum dan saat Covid-19. Ketiga, variabel Kredit Investasi (KI) berpengaruh positif dan tidak signifikan terhadap jumlah UMKM di Provinsi Jambi dan variabel Kredit Modal Kerja (KMK) berpengaruh positif dan signifikan terhadap jumlah UMKM di Provinsi Jambi periode 1994-2020. Kata kunci : Kredit UMKM, Kredit Perbankan, Kredit Investasi, Kredit Modal Kerja, Jumlah UMKM. ABSTRACT This study aims to 1). Analyzing the development of MSME lending before and during Covid-19. 2). Analyzing the differences in MSME lending before and during Covid-19. 3). Analyzing the influence of bank credit on the development of the number of MSMEs in Jambi Province. This research uses descriptive and quantitative analysis. To analyze this research used the Paired t-Test Test Model and Multiple Linear Regression Model with the help of Eviews 8 and Ms. Excel 2010 software. There are several empirical findings revealed in this study. First, the development of MSME credit before and during Covid-19 during 2019-2020, its development tends to fluctuate but on average has decreased. Second, the difference in MSME lending before and during Covid-19 in the 2019-2020 period shows that there is no significant difference before and during Covid-19. Third, the Investment Credit (KI) variable has a positive and insignificant effect on the number of MSMEs in Jambi Province and the Working Capital Credit (KMK) variable has a positive and significant effect on the number of MSMEs in Jambi Province for the period 1994-2020. Keywords: MSME Credit, Banking Loans, Investment Loans, Working Capital Loans, Number of MSMEs.

Type: Thesis (S1)
Subjects: L Education > L Education (General)
Divisions: Fakultas Ekonomi dan Bisnis > Ekonomi Pembangunan
Depositing User: Kandoyo
Date Deposited: 20 Dec 2021 02:51
Last Modified: 20 Dec 2021 02:51
URI: https://repository.unja.ac.id/id/eprint/29009

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