PENGARUH KREDIT TERHADAP PENINGKATAN KESEJAHTERAAN MASYARAKAT PADA BPR MUSTAQIM CABANG BIREUEN

Abstract

The purpose of this research is to know the effect of credit on the improvement of the welfare of the community at BPR Mustaqim Branch Bireuen. The variables tested include credit (X) as independent variables and community welfare (Y) as dependent variable. The population in this study are customers who take credit loans in BPR Mustaqim Bireuen Branch. While the sample amounted to 27 people. Sampling is done by incidental sampling technique is a technique used for sampling based on coincidence, meaning that anyone who meets the researcher can be used as a sample. Data collection through observation, and distribution of questionnaires. data analysis using simple linear regression method, hypothesis testing and coefficient of determination test. The result of the research through simple linear regression test showed positive correlation from independent variable (credit) to dependent variable (welfare of society), with regression equation Y = 33,735 + 4,153X. Partially, the value of t-count for credit variable (X) is 3.599 and t-table is 2.060, so t count> t-table (3,599> 2,060), this means that there is a credit effect to the improvement of public welfare in BPR Mustaqim Branch Bireuen. The coefficient of determination (R2) in this research is 0.414 means that 41.4% of the changes in the dependent variable are influenced by the independent variable, while the rest 58.6% is influenced by other variables outside this research.