%0 Thesis
%9 Skripsi
%A Septiana Purwandari, NIM.: 13820126
%B FAKULTAS EKONOMI DAN BISNIS ISLAM
%D 2020
%F digilib:43848
%I UIN SUNAN KALIJAGA YOGYAKARTA
%K Kredit Modal Kerja, Kualitas Produk, SDM Pegawai, Pendapatan UMKM
%P 134
%T FAKTOR-FAKTOR YANG MEMPENGARUHI PENDAPATAN USAHA MIKRO KECIL DAN MENENGAH PADA KOPERASI JASA KEUANGAN SYARI’AH AN-NUR BANJARNEGARA
%U https://digilib.uin-suka.ac.id/id/eprint/43848/
%X MSMEs are a very potential market for the financial services industry to  channel financing. However, there are some obstacles that must be faced by MSMEs  to achieve their goals. So there needs to be improvement in human resource  management in order to improve effectiveness and efficiency in a company.  This study aims to analyze the influence of working capital credit, product  quality, and employee human resources on the income of Micro Small and Medium  Enterprises (MSMEs) KJKS An-Nur Banjarnegara. The population in this study is all  KJKS An-Nur Banjarnegara customers who use working capital credit products.  Sampling techniques are carried out by sampling jenuh method. Data collection  techniques conducted in this study using questionnaires and documentation  techniques. Data analysis method in this study are validity test, reliability test, classic  assumption test, multiple linear regression test, and hypothesis test.  The results of this study showed that working capital credit has a significant  positive effect to MSME income with a calculated value of 2,642 ≥ t table 2,023 and  a significance value of 0,012 ≤ 0,05. Product quality has no significant positive effect  on MSMEs income with a calculated value of 0,316 ≤ t table of 2,023 and  significance value of 0,754 ≥ 0,05. Employee human resources have a significant  positive effect on MSME income with a t count value of 3,854 ≥ t table 2,023 and a  significance value of 0,000 ≤ 0,05. All variables namely working capital credit,  product quality, and employee human resources simultaneously have a positive and  significant effect on MSME income.
%Z Pembimbing : Dr. Ibi Satibi, S.H.I., M.Si.