The Effect of Working Capital Loans on Profitability of Micro Small and Medium Enterprises (MSMEs) Customers of PT BPR Balaguna Perasta Klungkung Regency

Dewi, Ni Putu Bintang Parasitha and Astawa, I Putu Mertha and Jaya, I Made Sura Ambara (2022) The Effect of Working Capital Loans on Profitability of Micro Small and Medium Enterprises (MSMEs) Customers of PT BPR Balaguna Perasta Klungkung Regency. Repositori Politeknik Negeri Bali.

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Abstract

The contribution of MSMEs greatly affects the economy because MSMEs can increase income, reduce unemployment and increase regional economic growth. However, many factors hinder the development of MSMEs. The main problem that generally occurs is limited capital. Credit is one of the best solutions. Working capital credit is a credit facility provided to business actors. This study aims to determine whether there is an effect of working capital credit on the profitability of MSME customers of PT BPR Balaguna Perasta, Klungkung Regency. The sample used is based on the Slovin formula, which is 69 respondents using a simple random sampling technique. For data analysis techniques using classical assumption test, simple linear regression analysis, Coefficient of Determination (R2), and correlation test (t-test) using IBM SPSS Software 25. Then the regression Y = 0.238 + 0.858X + e, and based on hypothesis testing with a coefficient of determination of 24.6%, the remaining 75.4% is influenced by other variables, and based on the correlation test (t-test) the t-count value is 4.809 > 1.99601 with a significance level of 0.00 < 0.05. Based on the results of the study, it can be obtained that working capital credit has a positive and significant influence on the profitability of MSMEs.

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