ANALISIS PENGARUH PEMBIAYAAN PRODUKTIF DAN PENDAMPINGAN USAHA DI BMT TERHADAP PENINGKATAN PENDAPATAN USAHA ANGGOTA
Abstract
This research aims to analyze the effects of productive financing and business assistance done by BMT toward its members’ increasing business income. The population of the research was the members of productive financing from 3 biggest BMTs in Special Region of Yogyakarta. The research used a quantitative method with 90 people participating as the respondents. The obtained data were analyzed using SPSS version 16.0. The results of the research show that productive financing and business assistance of BMT simultaneously and partially have positive effect on the increase of its members’ business income. Simultaneously, F test shows that f count is 42.739 and its significance value is 0.00<0.05. Partially, the productive financing given by BMT to the members has positive effect on its members’ increased business income showed from t test and t count of 3.283 > t table 1.987 and the significance value of si is 0. 01 < 0. 05 and the business assistance has positive effect on the members’ increased business income showed by the t test result that is the same with the result of t count 9.005 > t table 1.987 with the significance value of 0.01 < 0.05. Meanwhile, R test result is 0. 484 meaning 48. 4% of increasing business income of the members is influenced by independent variables namely productive financing and business assistance. Meanwhile, the other 51.6% is explained by other variables that are not studied in this research.