PENGARUH PEMBERIAN KREDIT TERHADAP PENINGKATAN USAHA ANGGOTA PADA KOPERASI PEDAGANG PASAR (KOPPAS) TERPADU PEKANBARU

Abstract

Abstract : This research was motivated by the difficulty of traditional traders in accessing and managing capital resources, so it is necessary to study how traditional merchants meet the need for capital in the provision of goods traded and how traders maximize the use of existing capital resources for the improvement and development of their businesses. The purpose of this study was to determine and analyze how much influence the provision of credit to the improvement of business members in the cooperative market traders (Koppas) Integrated Pekanbaru. The method used is quantitative descriptive. The population in this study is a member of the Market Traders Cooperative (Koppas) Integrated Pekanbaru receive credit, particularly in 2013 with the grand total is 204 people with a sample of 51 people. Based on the analysis concluded that the known value of significance at the table coeffisients 0,000 less than the critical value of 0.1. Then obtained 0.000 <0.1, and the results suggest that the effect on the Lending Business Improvement Cooperative Market Traders (Koppas) Integrated Pekanbaru. Judging from R Square of 0.177, indicating that the independent variables used in this study can affect the dependent variable was 17.7%. Thus it can be said that the ability of independent variables in influencing the dependent variable is strong. Based on the regression coefficient if Lending increased by 1%, the Business Improvement will also be increased by 0.379 or 37.9%. The coefficient is positive, it means there is a positive relationship between the Business Improvement Lending, the rise Lending then getting up anyway Business Improvement.

Key Words : Giving Credit, Increased Business