Pengaruh Pembiayaan Investasi terhadap Perkembangan Usaha Nasabah BNI Cabang Gunungsitoli
DOI:
https://doi.org/10.62138/tuhenori.v3.i3.173Keywords:
pembiayaan investasi, perkembangan usaha, UMKM, kapasitas produksi, perbankan, GunungsitoliAbstract
Penelitian ini menganalisis pengaruh pembiayaan investasi terhadap perkembangan usaha nasabah BNI Cabang Kota Gunungsitoli. Pendekatan yang digunakan adalah kuantitatif dengan desain potong lintang (asosiatif). Sampel penelitian berjumlah 30 pelaku usaha yang dipilih melalui purposive sampling. Data primer dihimpun melalui kuesioner, sedangkan data sekunder berasal dari dokumen internal bank dan literatur terkait. Analisis dilakukan menggunakan regresi linear sederhana. Hasil menunjukkan bahwa kredit investasi berpengaruh positif dan signifikan terhadap perkembangan usaha: B=0,419 (β=0,417), t(28)=2,427, p=0,022. Koefisien determinasi R²=0,174 mengindikasikan bahwa kredit investasi menjelaskan 17,4% variasi perkembangan usaha (sisanya dipengaruhi faktor lain di luar model). Secara substantif, peningkatan akses dan pemanfaatan kredit investasi berkorelasi dengan kenaikan omzet dan kapasitas produksi, sehingga mendukung penguatan kinerja usaha di tingkat lokal.
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Copyright (c) 2025 Agnes Nathania, Maria Magdalena Bate'e, Kurniawan Sarototonafo Zai, Idarni Harefa (Author)
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