DAFTAR ISI

Halaman
DAFTAR ISI ............................................................................................ xi
DAFTAR TABEL ................................................................................... xii
DAFTAR GAMBAR ............................................................................... xiii
DAFTAR RUMUS .................................................................................. xiv
DAFTAR LAMPIRAN ........................................................................... xv
I. PENDAHULUAN .............................................................................. 1
1.1 Latar Belakang ............................................................................ 1
1.2 Rumusan Masalah ....................................................................... 4
1.3 Tujuan Penelitian ........................................................................ 5
1.4 Manfaat Penelitian ...................................................................... 5
II. LANDASAN TEORI......................................................................... 6
2.1 Tinjauan Pustaka ......................................................................... 6
2.1.1 Kredit Usaha Rakyat (KUR) ............................................. 6
2.1.2 Usaha Mikro, Kecil dan Menengah (UMKM) .................. 13
2.1.3 Pendapatan ......................................................................... 16
2.1.4 Hubungan KUR dengan Pendapatan UMKM .................. 18
2.2 Uji Validitas dan Uji Reliabilitas ................................................ 20
2.3 Uji Asumsi Klasik ....................................................................... 21
2.3.1 Uji Normalitas ................................................................... 21
2.3.2 Uji Multikolonieritas ......................................................... 22
2.3.3 Uji Heteroskedastisitas ...................................................... 22
2.4 Analisis Regresi Linier Berganda ............................................... 22
2.5 Uji Simultan (Uji F) .................................................................... 23
2.6 Uji Parsial (Uji T) ....................................................................... 23
2.7 Uji Koefisien Determinasi (R2)................................................... 24
2.8 Kerangka Pemikiran.................................................................... 24
2.9 Penelitian Terdahulu ................................................................... 27
2.10 Hipotesis Penelitian .................................................................... 29
III. METODOLOGI PENELITIAN ...................................................... 30
3.1 Waktu dan Tempat ...................................................................... 30
3.2 Jenis dan Sumber Data ................................................................ 30
3.3 Metode Pengumpulan Data ......................................................... 30
3.4 Metode Penentuan Sampel .......................................................... 31
3.5 Teknik Analisi Data .................................................................... 33
3.6 Definisi Operasional ................................................................... 36
IV. HASIL DAN PEMBAHASAN ......................................................... 37
4.1 Gambaran Umum Lokasi Penelitian ........................................... 37
4.2 Karakteristik Responden ............................................................. 38
4.2.1 Berdasarkan Jenis Usaha.................................................... 38
4.2.2 Berdasarkan Jenis Kelamin ................................................ 39
4.2.3 Berdasarkan Umur Responden .......................................... 41

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 4.2.4 Berdasarkan Tingkat Pendidikan ....................................... 43
4.2.5 Berdasarkan Umur Usaha .................................................. 44
4.2.6 Berdasarkan Pendapatan Perbulan ..................................... 46
4.2.7 Berdasarkan Jumlah Pinjaman KUR ................................. 48
4.2.8 Berdasarkan Jangka Waktu Pinjaman ................................ 50
4.2.9 Berdasarkan Alamat Usaha ................................................ 51
4.3 Uji Validitas dan Reliabilitas ...................................................... 52
4.4.1 Uji Validitas ....................................................................... 52
4.4.2 Uji Reliabilitas ................................................................... 56
4.4 Uji Asumsi Klasik ....................................................................... 57
4.4.1 Uji Normalitas .................................................................... 58
4.4.2 Uji Multikolinearitas .......................................................... 60
4.4.3 Uji Heteroskedastisitas....................................................... 61
4.5 Analisis Regresi Linier Berganda ............................................... 63
4.6 Uji Simultan (Uji F) .................................................................... 65
4.7 Uji Parsial (Uji T) ....................................................................... 67
4.7.1 Pengaruh Plafon Pinjaman Terhadap Pendapatan ............. 68
4.7.2 Pengaruh Persyaratan & Pengawasan Pinjaman Terhadap
Pendapatan ......................................................................... 70
4.7.3 Pengaruh Kapasitas Usaha Terhadap Pendapatan ............. 72
4.7.4 Pengaruh Modal Usaha Terhadap Pendapatan .................. 73
4.8 Koefisien Determinasi (Uji R2)................................................... 75
V. KESIMPULAN DAN SARAN ......................................................... 77
5.1 Kesimpulan ................................................................................. 77
5.2 Saran ........................................................................................... 77

DAFTAR PUSTAKA ............................................................................... 78

LAMPIRAN ............................................................................................... 83

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 DAFTAR TABEL

Nomor Halaman

1.1. Jumlah UMKM di Kota Payakumbuh ........................................... 2

3.2. Pembagian Jumlah Sampel UMKM di Kota Payakumbuh ........... 33
3.3. Definisi Operasional Variabel Penelitian ...................................... 36
4.1. Karakteristik Responden Berdasarkan Jenis Usaha ....................... 39
4.2. Karakteristik Responden Berdasarkan Umur ................................ 41
4.3. Karakteristik Responden Berdasarkan Umur Usaha ..................... 45
4.4. Hasil Uji Validitas Kuesioner Variabel X ..................................... 53
4.5. Hasil Uji Validitas Kuesioner Variabel Y ..................................... 55
4.6. Hasil Uji Reliabilitas Kuesioner .................................................... 57
4.7. Hasil Uji Mulikolinearitas ............................................................. 61
4.8. Hasil Uji Heteroskedastisitas ......................................................... 62
4.9. Hasil Analisis Regresi Linier Berganda......................................... 64
4.10. Hasil Uji Simultan (Uji F) ............................................................. 66
4.11. Hasil Uji Parsial (Uji T) ................................................................. 67
4.12. Hasil Uji Koefisien Determinasi (Uji R2) ...................................... 76

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 DAFTAR GAMBAR

Nomor Halaman

2.1. Kerangka Pemikiran ...................................................................... 26

4.1. Karakteristik Responden Berdasarkan Jenis Kelamin ................... 40
4.2. Karakteristik Responden Berdasarkan Tingkat Pendidikan .......... 43
4.3. Karakteristik Responden Berdasarkan Pendapatan Perbulan ........ 47
4.4. Karakteristik Responden Berdasarkan Jumlah Pinjaman .............. 48
4.5. Karakteristik Responden Berdasarkan Jangka Waktu Pinjaman ... 50
4.6. Karakteristik Responden Berdasarkan Alamat Usaha ................... 52
4.7. Hasil Uji Normalitas Melalui Histogram ....................................... 58
4.8. Hasil Uji Normalitas Melalui Probability Plot .............................. 59
4.9. Hasil Uji Normalitas Melalui Kolmogrov-Smirnov ....................... 60
4.10. Hasil Uji Heteroskedastisitas ......................................................... 62

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 DAFTAR RUMUS

Nomor Halaman

1. Rumus Pendapatan ......................................................................... 19

2. Rumus Regresi Linier Berganda .................................................... 22
3. Rumus Penentuan Jumlah Sampel ................................................. 32
4. Persamaan Regresi Linier Berganda pada Penelitian .................... 35

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 DAFTAR LAMPIRAN

Nomor Halaman

1. Identitas Responden ....................................................................... 84

2. Identitas Usaha Responden ............................................................ 86
3. Identitas Pinjaman KUR Responden ............................................. 88
4. Data Variabel X ............................................................................. 90
5. Data Variabel Y ............................................................................. 92
6. Hasil Output SPSS ......................................................................... 94
7. Dokumentasi Penelitian ................................................................. 105
8. Validasi Proofreader ..................................................................... 106
9. Kuesioner Penelitian ...................................................................... 107

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