PENGARUH MODAL SENDIRI DAN KREDIT USAHA RAKYAT (KUR) TERHADAP PENDAPATAN USAHA DENGAN VARIABEL MODERASI PERSFEKTIF ISLAM (STUDI PADA UMKM KOTA PONTIANAK)

Abstract

ABSTRACT

This research aims to determine the effect of own capital on business income, the effect of people's business credit (KUR) on business income, the influence of an Islamic perspective on own capital and business income, the influence of an Islamic perspective on people's business credit (KUR) and business income. Study on micro, small and medium enterprises (MSMEs) in Pontianak City.

This research uses quantitative methods; the population in this study is the MSMEs in Pontianak City, amounting to 103 MSMEs. The sampling technique used was simple random sampling technique, only 103 were used as research samples. The research data obtained by indirect communication techniques and literature study, with a questionnaire of 11 questions that were tested for validity and realibility. The data analysis technique used is quantitative descriptive analysis which is used to describe the data of each variable, multiple regression analysis is used for hypothesis testing.

The results of this research indicate that the capital itself has a significant effect on business income through the partial t test analysis. People’s Business Credit (KUR) has a significant. Islamic perspective affects the relationship between own capital and business income through partial t-test analysis. The Islamic perpective affects the relationship between people’s business credit (KUR) and business income through partial t-test analysis.

Keywords : Own Capital, People’s Business Credit (KUR), Islamic Perspective, Business Income