PENGARUH MODAL DAN PEMBIAYAAN ARRUM TERHADAP PERKEMBANGAN USAHA MIKRO KECIL
Abstract
The objective of the research was finding out whether or not capital and ARRUM financing had influence towards the business development in Sharia Pawn Shop in Munggur Godean. It also aimed at finding out which variable influenced the business development partially and simultaneously. This research used quantitative approach with sampling probability and the data were collected by distributing questionnaire. The number of the sample was 100 respondents. The validity and reliability tests were with analysis technique and the classic assumption test were multicollinearity, heteroscedasticity, normality and linearity tests. The model match test was t-test (partial test), F test (simultaneous test) and determination coefficient (R2 test). The result of the research shows that the dependent variable (y) is business development and the independent variable (x) includes: capital (X1) and ARRUM financing (X2). The capital variable has positive and significant influence towards the business development. The t- count of the capital is 5.497 and its significance value is 0.000 < 0.05. Meanwhile, ARRUM financing variable has positive and significant influence towards the business development. The t-count of ARRUM financing is 3.248 and its significance value is 0.000 < 0.05. From the F test, the capital and ARRUM financing simultaneously influence the business development as much as 15.593.