Analisis Pengaruh Kredit Perbankan Terhadap Pertumbuhan Industri Kecil di Kota Pematang Siantar
Robertho Duran Situmorang
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In Bank Indonesia Statistical Report of Finance and Economy Area for year 2003, stated that bank credit position to small industry in Pematang Siantar naturally improve. And in Pematang Siantar Gross Domestic Regional Product (PDRB) from 1993 until 2003, showing the big role of small industry in economics especially in the case of PDRB Pematang Siantar, amount of entrepreneur, and also amount of employment. From the fact above, the writer try to study relation or relevantion between amount of credit accepted by small industry and Pematang Siantar economics growth. To know the influence of credit given by bank for the growth of small industry in Pematang Siantar city, the required data for this research is got by using library research method. Analysis model that used for this research is Simple Linear Regression Function, where Total Credit given by Bank as Independent Variable and Growth of Small Industry as Dependent Variable. To see (he significant influence between independent variable and dependent variable, technics of data analyze is using Test of Statistical. And the result from this research is that there are no real influence between credit given by bank and growth of small industry in Pematang Siantar. And it happen because of the abused of credit. Credit from the bank for Small Industry is missued by some of small industry entrepreneur. The credit should be used to increase the productivity, but the fact is to satisfied their passion in consumptive life.
- SP - Economic Development