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All Journal Journal of Economic, Bussines and Accounting (COSTING) GEMA EKONOMI Journal of Education, Humaniora and Social Sciences (JEHSS) MABIS: Manajemen dan Bisnis JIMF (JURNAL ILMIAH MANAJEMEN FORKAMMA) JUMAN Tools (Jurnal Manajemen Tools) Jurnal Edueco CIVITAS: Jurnal Studi Manajemen Majalah Ilmiah Warta Dharmawangsa International Journal of Economics Development Research (IJEDR) Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Ekonomi Bisnis Manajemen Prima Indonesian Journal of Law and Economics Review Jurnal Pengabdian kepada Masyarakat Nusantara Edunomics Journal Jurnal Visi Pengabdian Kepada Masyarakat Jurnal Ekonomi Jurnal Pengabdian Masyarakat Akademisi Jurnal Bisnis Administrasi (BIS-A) Journal of Trends Economics and Accounting Research Jurnal Pengabdian Masyarakat Inovasi Jurnal Ilman: Jurnal Ilmu Manajemen International Journal Of Economics Social And Technology Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Pengabdian Pada Masyarakat METHABDI Mount Hope Global Economic Journal Journal Accounting International Mount Hope Journal of Innovative and Creativity Jurnal Pengabdian Kompetitif Adpebi Science Series International Journal of Economics, Business and Innovation Research International Journal of Economics and Management Research Rahmah
Juli Meliza
Sekolah Tinggi Ilmu Manajemen Sukma
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Journal : Journal of Innovative and Creativity

 1 
Analysis of the Effect of Credit Term and Interest Rate Level on the Growth of Micro, Small, and Medium Enterprises Aldi Neri Silitonga; Yeni Ariesa; Juli Meliza
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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Abstract

This study examines some of the variables influencing the development of MSMEs in Medan City. The study uses a quantitative model using multiple linear regression on secondary reports for 2019–2023, this research proves that loan terms contribute significantly to MSME development, while interest rates do not. Together, both contribute significantly, with a coefficient of determination of 18.8%, indicating that other factors, such as managerial ability, innovation, and macroeconomic conditions, still account for 81.2%. The results confirm that the longer the loan term, the greater the opportunity for MSMEs to grow through more flexible cash flow and capital management. Meanwhile, MSME-friendly financing policies need to be continuously improved to encourage local economic growth.
Co-Authors Abda Abda Aldi Neri Silitonga Almusahwir, M. Agung Andini Alfin Angel Monica Firma Uli Hutagaol Angela, Veren Angelia, Kalina Angelina, Xaviera Anjani Alfin Apriansyah Ramadani Aprisanty Aprisanty Ariesa, Yeni Arnita Shintia Sari Sirait Asri Sanusi Astri Yholand Br Pasaribu Aswin Akbar Clara Miranda Cut Diah Paramita Cyndi Adeline Br. Purba Cynthia Eileen David Pang Dessy Mirawati Sitohang Devi, Syahrani Dheybie Zelina Situmorang Dhiva Azzriel Dhinda Shavitry Diana Suksesiwaty Lubis Dina Hastalona Dinda Tiara Arini Hutasuhut Edi Winata Ella Fiana Engli Saragi Enjellina Br. Simanjuntak Fahmi Sulaiman Fania, Bona Faniza Sari Febria Sabarina Marbun Felicia Austin Holando Fenny Krisna Marpaung Ferry Ferry Flora Silalahi Freddin Hutasoit Gilbert Adryan Leonardo Gita Afrillia Hafizah Handy Octavianus Hasugian, Chandiny Husni Mubarak Indra, Kelvin Handika Isfenti Sadalia Isfenti Sadalia Jayawarsa, A.A. Ketut Jonatan Priji Tambunan Kelvin Kendy, Kendy Kevin Wijaya Khaira Amalia Khaira Amalia Fachrudin Khaira Amalia Fachrudin Khairani, Syahrida Khomathy Khomathy Lenta Friska Purba Lidia Juliyanti Lili Marliani Lili Nova Natalia Br Perangin Angin Lina Lina Lina Lina Lindawati Lindawati lubis, kartika sari Marcella Chandra Marpaung, Fenny Krisna Mega Dilla Michael Halim Natalia Natalia Angkasa Nawawi Ahmad Nazmah Nazmah, Nazmah Nurhalimah Nurhalimah Nurhayati Nurhayati Nurhidayah, Adillah Nyimpado, Gregori Datiar Oktariani, Shanty Pandiangan, Lady Avilla Pansing, Marcelina Helen Poppy Harly S Prabowo, Vincent Priji Tambunan, Jonatan Pua Merari Br Lubis Putri Amelia Puspita Putri Sekar Indah Qori Fadhillah Rabiah Anggraini Rahmadani Rani Wahyuni Ratu Valana Dewi Reni Hamzah Ria Rezeki Ambarita Riandani Rezki Prana Riky Setiawan Rizky Darmawan Roni Marpaung Sabarina Marbun, Febria Safitri, Tiara saragih, elima Sehat Maruli Sekali, Karolus Karo Shalvira Siregar, Annisa Shapira Evani Sihaloho, Ezra Amanda Sindi Oktapia Sitopu, Juwita Dearni Stiven, Stiven Supriyanto Syahputri, Nia Syawitri, Faramila Tania, Felisha Taslim Taslim Tiara Safitri Valencia Gozali Vidya Fathimah Vidya Fathimah Violetta Nathalia Yan, Vania Yeni Ariesa Yeni Ariesa Yeni Rafita Sihombing Yuli Elena Zega, Thea Putri Amabel Zuhri Zuhri, Zuhri