%D 2012
%I UNIVERSITAS NEGERI YOGYAKARTA
%A Fitriyaningsih Erlina 
%T PENGARUH BESAR MODAL (MODAL SENDIRI), PEMBERIAN KREDIT, DAN TINGKAT SUKU BUNGA KREDIT TERHADAP PENINGKATAN PENDAPATAN PEDAGANG KECIL DI DESA TIRTONIRMOLO KECAMATAN KASIHAN BANTUL
%K capital size, loans, interest rate, improvement of incomes
%X This study aims to find out: (1) the effect of the capital size (own capital)
on the improvement of the incomes of the small vendors in Tirtonirmolo Village,
Kasihan District, Bantul Regency; (2) the effect of the loans on the improvement
of their incomes; (3) the effect of the interest rate on the improvement of their
incomes; and (4) the effects of the capital size (own capital), loans, and interest
rate as an aggregate on the improvement of their incomes.
The research population comprised 53 vendors receiving loans from PT
Madu Baru in Tirtonirmolo Village, Kasihan District, Bantul Regency. This was a
population study. It was a quantitative study employing the ex post facto design.
The data were collected through observation, questionnaires, interviews and
documentation. They were analyzed using the multiple regression technique.
The results of the study are as follows. (1) There is a positive and
significant effect of the capital size on the improvement of the incomes of the
small vendors in Tirtonirmolo Village, Kasihan District, Bantul Regency. This
indicated by tobserved = 7.772 at a significance level of 0.000 (sig. < 0.05). (2) There
is a positive and significant effect of the loans on the improvement of their
incomes. This indicated by tobserved = 2.066 at a significance level of 0.044 (sig. <
0.05). (3) There is no negative and significant effect of the interest rate on the
improvement of their incomes. This indicated by tobserved = 0.058 at a significance
level of 0.954 (sig. > 0.05). (4) There are positive and significant effects of the
capital size, loans, and interest rate as an aggregate on the improvement of their
incomes. This indicated by Fobserved = 36.101 at a significance level of 0.000 (sig.
< 0.05). The capital size, loans, and interest rate variables give a contribution of
68.8%.
Keywords: capital size, loans, interest rate, improvement of incomes
%L UNY8760