Pasalina, Roby (2023) Analisis Faktor Yang Mempengaruhi Realisasi Pembiayaan Usaha Rakyat (pur) Pada Bank Syariah Indonesia Kota Pekanbaru Provinsi Riau. Masters thesis, Universitas Islam Riau.

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Abstract

The general problem in PUR for MSMEs is the requirements of the PUR recipient itself set by several banks, these requirements are quite selective in the process of granting PUR. Based on the formulation of the problem, the objectives of this study are: 1. Characteristics of customers receiving People's Business Financing & BSI Profile, 2. Business profits of People's Business Financing recipients, 3. Factors that affect the number of PUR realizations. The research method used is survey & interview located at PT Bank Syariah Indonesia KC Arifin Ahmad Pekanbaru. The type of data used is primary & secondary data. Data analysis used descriptive analysis for the characteristics and business profile of customers receiving PUR (People's Business Financing), business analysis of customers receiving PUR (production costs, revenue/omset, business profits, business efficiency), then multiple linear regression analysis with the independent variable realization of PUR financing received by customers (Y), while the independent variables are Age (X1), Business Experience (X2), Length of Business (X3), Business Profits (X4), Business Capital (X5), Installment value (X6) and collateral value (X7). Research results: 1. The characteristics & business profile of PUR recipient customers at BSI Arifin Ahmad Pekanbaru are for age / average age in the interval of 36 - 41 years, the education level is a high school graduate, marital status is married, for business experience is average between 5 - 10 years. While for the business profile that is seen first is the average business capital between Rp. 20 million - Rp. 99 million, for the average length of business between 5-10 years, for the average turnover in the interval of Rp. 10 million - Rp. 100 million / month. 2. For business analysis of the overall average sample for turnover is Rp. 82,268,432, 60, the total cost value is Rp. 61. 844. 246, 75, the profit value is Rp. 20,424,176.85 and the R / C value is 1.33. 3. Analysis of factors affecting PUR BSI KC Arifin Ahmad Pekanbaru. Based on the t test, it shows that the business capital, installment value and collateral value significantly and positively affect the realization of PUR BSI Arifin Ahmad Branch Pekanbaru City at 95% confidence level (?=5%). F test results all independent variables significantly affect the realization of PUR, R2 coefficient value of 0.931 (93.10%), indicating all independent variables are able to explain the dependent variable but the remaining 6.90% is explained by other variables. The t-statistic significance value draws the conclusion that H0 is accepted, H1 is rejected, meaning that the variables of age, business experience, and length of business partially have no significant effect on the realization of PUR. Meanwhile, the variables of business profit, collateral value, installment value and business capital have a significant effect on PUR recipients.

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