Pengaruh Aset dan Keuntungan Terhadap Keputusan UMKM Mengambil Kredit Perbankan di Kota Gorontalo

Ni Made Sagita Satmanadika (Universitas Negeri Gorontalo)
Rio Monoarfa (Universitas Negeri Gorontalo)
Ronald S. Badu (Universitas Negeri Gorontalo)

As-Syirkah: Islamic Economic & Financial Journal
Vol. 3 No. 3 (2024): As-Syirkah: Islamic Economic & Financial Journal

This research aims at finding out the effects of Asset and Profit on Micro, Small and Medium Enterprises (MSMEs) decisions to take bank credit in Gorontalo City. This research employs a descriptive quantitative method. The data source is primary data. Samples are 93 of Micro, Small and Medium Enterprises (MSMEs). The research instrument is observation sheets in obtaining data from research respondents. Technique of data analysis implements Simple Linear Regression. Finding reveal that asset has a positive and significant effect on MSMEs to take bank credit in Gorontalo City. Profit has an effect on MSMEs to take bank credit in Gorontalo City. Simultaneously, asset and profit affected the bank credit of Micro, Small and Medium Enterprises (MSMEs) in Gorontalo City. The determination coefficient of asset and profit on MSMEs decisions to take bank credit in Gorontalo City is 0,172 or 17,2%.