亚齐省 Kur Bsi 融资对增加中小企业客户收入的影响分析

Indah Kesuma, A. Faried, Dewi Maharani, Rangkuti
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引用次数: 0

摘要

本研究旨在确定和分析与亚齐省中小微企业客户收入增长相关的人民商业信用(KUR)、商业发展、劳动力、生产力、分布、商业地点、销售价格、营业时间等因素。所研究的因素包括与增加亚齐省中小微企业客户收入相关的人民商业信用(KUR)、商业发展、劳动力、生产率、分销、商业地点、销售价格、营业时间,这些相关因素对中小微企业客户收入有积极而显著的影响。本研究以 253 名受访者为样本量,通过发放调查问卷收集数据,并使用确证因子分析(CFA)分析方法和多元线性回归分析方法对数据进行处理。本研究的动机是开发印尼中小微型企业(MSMEs)的潜力,而这离不开银行在为中小微型企业创业者提供融资渠道方面的支持。为了减少中小微企业面临的问题,政府正试图发布一项人民商业信贷(KUR)计划。根据 KMO 和 Bartlett 检验表中的确认性因素分析(CFA)检验结果显示,销售价格、生产率、分销和营业时间长短对亚齐省 Bener Meriah 县中小微企业客户的收入有显著影响。多元线性回归检验结果表明,部分假设检验结果表明,销售价格、生产率、分销和营业时间对亚齐省班纳梅里亚县中小微企业客户的收入有显著影响。
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Analysis Of Aceh Province Kur Bsi Financing On Increasing Income Of Small Medium Enterprise Customers
This research aims to determine and analyze the factors of people's business credit (KUR), business development, workforce, productivity, distribution, business location, selling price, length of business relevant to increasing the income of MSME customers in Aceh Province. The factors studied are people's business credit (KUR), business development, workforce, productivity, distribution, business location, selling price, length of business relevant to increasing the income of MSME customers in Aceh Province and these relevant factors have a positive and significant effect on MSME customer income. With a sample size of 253 respondents, the data was collected by distributing questionnaires and processing the data using the Confirmatory Factor Analysis (CFA) analysis method and multiple linear regression analysis methods. This research is motivated by the development of the potential of Micro, Small and Medium Enterprises (MSMEs) in Indonesia which cannot be separated from banking support in channeling financing to MSME entrepreneurs. To reduce the problems faced by MSMEs, the government is trying to issue a People's Business Credit (KUR) program. Based on the results of the Confirmatory Factor Analysis (CFA) test in the KMO and Bartlett's test tables, it shows that selling price, productivity, distribution and length of business have a significant effect on the income of MSME customers in Bener Meriah Regency, Aceh. And the results of multiple linear regression testing show that the results of partial hypothesis testing show that selling price, productivity, distribution and length of business have a significant effect on the income of MSME customers in Bener Meriah Regency, Aceh.
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