PENGARUH MODAL PINJAMAN TERHADAP PENDAPATAN USAHA KECIL DI LHOKSEUMAWE ACEH

Abstract

This study aimed to determine the effect of loan capital to small business income in Lhokseumawe. The data used are primary data, primary data were collected by direct interaction between collectors (PT Bank Syariah Court Lhokseumawe Rahmah Hijrah) and using questionnaires and instrument data collected secondary data from printed sources. Methods of data analysis in this study using a simple linear regression analysis with the help of SPSS tools. Based on the results of testing the value of the correlation coefficient (R) can be concluded, that the relationship between the independent variable (X) with the dependent variable (Y) is quite tight and positive . While the coefficient of determination (R2) can be seen in the value of Adjusted R Square that the magnitude of the variable capacity (X) affects small business income that is equal Lhokseumawe. The remaining 56.4 % is equal to 43.6% is influenced by other variables that are not included in the this study. Based on test result, for a variable loan capital (X) t count 8,312 > 1,640 t table. The results reject Ho and accept Ha with a significant level of 0.000, it can be concluded that the loan capital variable (X) effect on the income of small businesses in the city of Lhokseumawe. Loan capital variable (X) is the dominant variable affecting the small business income in Lhokseumawe seen from the value of the standardized beta coefficients loan capital variable (X) is equal to 0.808.