PENGARUH MODAL DAN PENGGUNAAN KREDIT USAHA RAKYAT TERHADAP LABA USAHA PADA NASABAH UMKM PT BANK RAKYAT INDONESIA UNIT SURYANATA SAMARINDA 1

Abstract

This study aims to determine the effect of capital and the use of people's business credit on operating profits for MSME customers of PT Bank Rakyat Indonesia Suryanata Samarinda unit. This research is quantitative research and the method used in this study is Multiple Linear Regression Analysis with the help of Software Statistical Product and Service Solutions (SPSS) Version 26. The population in the study is customers who use People's Business Credit on MSME customers of PT Bank Rakyat Indonesia Suryanata Samarinda unit office. The independent variables used in this study were capital and the use of people's business credit. While the dependent variable in this study is operating profit for MSME customers of Bank Rakyat Indonesia suryanata samarinda unit. The data analysis method is tested with Software Statistical Product and Services Solutions (SPSS), which includes validity tests with r calculate > r table of (0.2432) and positive nilain, reliability test of capital (X1), use of KUR (X2), and operating profit (Y) has a reliable value, classical assumption test, multiple linear regression test, hypothesis testing through t test for valuable capital (4634), and the use of KUR is valued (8.6827), and the F test is calculated value (282.932), as well as the coefficient of determination test (R2) Adjusted R Square value (0.897) shows that capital variables and the use of KUR have proven to have a positive and significant effect on the operating profit of MSME customers of Bank Rakyat Indonesia Suryanata Samarinda Unit