PENGARUH PINJAMAN KOPERASI SYARIAH ARRIDHA DALAM MENINGKATKAN PENDAPATAN UMKM DI KELURAHAN PASAR BARU BASERAH

Abstract

This research aims to determine the effect of Arridha sharia cooperative loans in increasing the income of MSMEs in Pasar Baru Baserah sub-district. The population in this study was 50 MSMEs and the 50 were also the samples. The sampling technique was non-probability sampling and the data collection technique was a questionnaire. The data was analyzed descriptively quantitatively using the SPSS formula. The results of this research show that the procedure for granting credit to the Arridha cooperative uses the 5C principle, Character is the character of the debtor, capacity is the ability to repay the loan, Capital is the capital, condition is the business condition of the prospective recipient and collateral is the assessment of the collateral.

Meanwhile, Cooperative Loans have a significant influence on MSME income in Pasar Baru Baserah Subdistrict. The t table value at the 5% significance level has a t count of 6.323 with a significant value of 0.000 and a B coefficient of 0.634. Thus tcount 6.323 > ttable 2.010 and Pvalue 0.000 < 0.05. So the Ha hypothesis is accepted and H0 is rejected between the loan variable on MSME income in Pasar Baru Baserah Village with an influence level of 0.634 or 63.4%.