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The Effect of Total Deposits and Loan Arrears on the Income of CU Maju Bersama Cooperatives in Siantar District (Before and During Covid-19) Fitri Sitinjak; Pinondang Nainggolan; Darwin Damanik; Elidawaty Purba
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 3 (2021): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i3.2244

Abstract

This study aims to determine the effect of total deposits and loan arrears on the income of CU Maju Bersama cooperatives in siantar district (before and during covid-19). This research method uses a quantitative research approach. The result shows that the variable amount of savings has no significant effect on the income of the CU Maju Bersama Cooperative in Siantar District. Loan arrears variable has no significant effect on the income of CU Maju Bersama Cooperative in Siantar District. (Before and During Covid-19). The test results simultaneously state that the amount of deposits and credit arrears together has a significant effect on the income of the CU Maju Bersama cooperative in Siantar District (Before and During Covid-19). The results of the R2 test state that there is an effect of the amount of deposits and credit arrears on the income of the CU Maju Bersama cooperative in Siantar District.
Influence of Leading Entrepreneurship Training Program Bank Indonesia in the Business of Increasing MSME Income in the City of Pematangiantar Abdi Setiawan; Pinondang Nainggolan; Bagudek Tumanggor; Darwin Damanik
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 3 (2022): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i3.6137

Abstract

This study aims to explain the effect of Bank Indonesia's flagship entrepreneurship training program in increasing the income of MSMEs in the city of Pematagsiantar. The research design is quantitative research. Data collection techniques using a list of questions (questionnaires) and study documentation. The data analysis technique uses the Assumption Test contained in the regression analysis used, namely normality test, autocorrelation test, heteroscedasticity test, and multicollinearity test, Hypothesis Testing namely Simultaneous Test (F test), Partial Test (t test), Coefficient of Determination (R2),Correlation Coefficient (R)andRegression Analysis.Based on the research, it was found that Bank Indonesia's flagship entrepreneurship training program, production facilities and labor played a good role in increasing the income of MSMEs in Pematangsiantar City. Based on the t test, it was found that the X1 variable had no significant effect on the Y variable, the X2 variable had no significant effect on the Y variable, the X3 variable had a significant effect on the Y variable.