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All Journal Jurnal Ekonomi dan Bisnis Samalewa: Jurnal Riset dan Kajian Manajemen
A Asmini
Universitas Samawa
Economics, Econometrics & Finance Social Sciences

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DAMPAK KREDIT PERBANKAN TERHADAP PENGEMBANGAN UMKM DI KECAMATAN LABUHAN BADAS KABUPATEN SUMBAWA Nining Sudiyarti; A Asmini; Muhammad Zainuddin Asri
Jurnal Ekonomi & Bisnis Vol. 13 No. 3 (2025): Jurnal Ekonomi & Bisnis
Publisher : Pusat Riset dan Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/jeb.v13i3.2217

Abstract

This study aims to know the impact of bank credit toward development of micro, small and medium enterprise (UMKM) in Labuhan Badas Sub-District, Sumbawa District. This study used a comparative method to compare sales turnover, quantity of goods, profits, and expenses before and after receiving bank credit. Quantitative data was collected directly from respondents using a questionnaire. The data analysis technique used were descriptive statistical analysis, normality test and the wilcoxon signed rank test. The results of the study showed that bank credit had positive and significant impact toward sales turnover, quantity of goods, profits and expenses before and after receiving UMKM banking credit in Labuhan Badas District, Sumbawa District. The results of statistical analysis that was done with the wilcoxon sign rank test formula showed that all respondents who were became sample had higher sales turnover, profit, expense, and quantity of goods after got credit than sales turnover before got credit. Thus, it can be concluded that there was a positive and significant difference in sales turnover, profit, expenses, and the number of MSMEs between before and after obtaining bank credit. Sales turnover, profit, expenses, and the number of MSMEs after obtaining bank credit are higher than before obtaining bank credit.
Co-Authors Binar Dwiyanto Pamungkas Budi Sastra Dita Pupitasari Eka Putri Maulani Elly Karmeli Fifi Nurulita Furna Aprianti Hatta Wage Heni Juliawati Heru Surahmad I Ismawati I Nyoman Sutama Ika Fitriyani K Kamaruddin K Kartiana M Akmal Muhammad Jamta Muhammad Kevin Muhammad Zainuddin Asri N Nurjannah Nanda Maharaya Ni Gusti Ayu Putu Sinta Nining Sudiyarti Novi Kadewi Sumbawati Nurul Astuti Nurul Wahida Opan Setia Pratama Roos Nana Sucihati Rudi Masniadi S Suprianto S Syafruddin Suci Astika Supri Wahyudi U Usman Wahyu Haryadi Yuni Asri