The Effect of Capital and Lending on Increasing the Income of UMKM Small Traders Customers of the Koperasi Serba Usaha Mestika

Abstract

Provision of Capital and Credit is one of the instruments for business development, namely with sufficient capital or large small traders, UMKM can develop their business so that they can increase people's income and can make the country's economy improve and economic activities can run which has an impact on the country's prosperity. This study aims to determine and analyze the effect of increasing the income of micro, small and medium enterprises traders and to determine the effect of capital and lending on increasing the income of small, micro, and small business traders, customers of the Koperasi Serba Usaha Mestika. The methodology used is a quantitative approach with data obtained directly from the questionnaire questions which were analyzed using the multiple linear regression analysis method and processed using the eviews application. The results of the research are expected to be able to know about capital and lending to Koperasi Usaha Mestika in depth, especially in financing funds through the distribution of working capital loans to small and medium enterprises.