PENGARUH DANA KUR DAN MODAL SENDIRI TERHADAP PENDAPATAN UMKM DI KABUPATEN TORAJA UTARA

Novita Salurapa’ (Universitas Kristen Indonesia Toraja)
Dwibin Kannapadang (Fakultas Ekonomi & Bisnis, Universitas Kristen Indonesia Toraja)
Yohanis L. Ta’dung (Fakultas Ekonomi & Bisnis, Universitas Kristen Indonesia Toraja)

Jurnal Ilmiah Edunomika (JIE)
Vol. 10 No. 3 (2026): EDUNOMIKA

Abstract This study aims to determine the influence of KUR (People's Business Credit) funds and own capital on the income of MSMEs in North Toraja Regency. The research problem addresses whether KUR funds and own capital affect MSME income. A quantitative research method was employed, and data analysis—conducted using SPSS 23—included validity and reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination. Data collection techniques involved interviews and questionnaires. Random sampling was used to select participants from a total population of 23,883; the sample size was determined using the Slovin formula, resulting in a sample of 100. The research results indicate that KUR funds do not affect income, whereas own capital does influence the income of MSMEs in North Toraja Regency. Keywords : KUR funds, own capital, income, MSMEs