Pengaruh Pembiayaan Modal Kerja terhadap Pendapatan Usaha Mikro di BMT Al-Islam Kabupaten Ciamis

Abstract

The purpose research is to find out the effect of working capital financing provided by BMT Al-Islam on the income level of its customers as micro-entrepreneurs. This research uses descriptive research methods with quantitative approaches. Data collection techniques by sharing questionnaires and interviews with customers. The analysis was done with a simple linear regression data technique using the SPSS16 program. From the analysis regression coefficient it is known that each increase in the value of working capital financing by 1%, then the value of the income level will increase by 0.707. The greater the value of working capital financing provided by BMT Al-Islam to its customers the greater the income value of micro-businesses. Judging by the determination coefficient of RSquare (RS) where the value of RS is 0.268 which means 26.8%, or it can be said that variable working capital financing affects the income level by 26.8% while the remaining 73.2% is influenced by other variables. The income level of BMT Al-Islam customers was affected by the financing of working capital from BMT Al-Islam of 26.8%. Working capital financing has a positive and significant influence on the level of income of its customers as for micro-enterprises.