ANALISIS PENGARUH PEMBIAYAAN BPRS HARUM HIKMAH NUGRAHA TERHADAP PERTUMBUHAN UMKM DI SEKTOR PERDAGANGAN (STUDI PADA KECAMATAN SAMARANG)

Abstract

This research aims to determine the role of BPRS Harum Hikmahnugraha financing in supporting the growth of Micro, Small, and Medium Enterprises (MSMEs) in the trade sector in Samarang District. MSMEs play an important role in driving the economic growth of the community; however, many MSME actors still face capital constraints. Therefore, Islamic banking financing has become one of the solutions to overcome this problem. The research method used is a quantitative method with a survey approach. The population in this study consists of all MSME actors in the trade sector in Samarang District who have received financing from BPRS Harum Hikmahnugraha, totaling 80 MSMEs. The research sample was determined using the Slovin formula, resulting in 45 respondents. Data were collected through questionnaires. The data were analyzed using the Spearman Rank correlation test because the data were not normally distributed. The results of the study indicate that the financing provided by BPRS Harum Hikmahnugraha plays a positive role in supporting the growth of MSMEs in the trade sector. This is evidenced by an increase in income, an increase in the number of employees, and an increase in business assets after receiving the financing. Based on the results of the Spearman Rank correlation test, a significant correlation coefficient was obtained, indicating a positive relationship between financing and MSME growth.