Pengaruh Pembiayaan Bank Syariah terhadap Pendapatan Usaha Kecil Dan Menengah Di Kabupaten Bengkalis

Abstract

This study uses an analysis tool in the form of SPSS 23.0 software. The data collection was carried out using the observation method or data collection at research locations, interviews and questionnaires. This study uses a descriptive analysis method with deductive and inductive writing methods. The test results show that the provision of small and medium business financing by Syari'ah Banks in Bengkalis Regency is very influential in increasing SME income. The results of statistical calculations for the banking role variable obtained tcount > ttable, namely 2.235 > 1.9787, while the significance value of the role of Islamic banking in encouraging SME growth was 0.000 <0.05, then Ha was accepted and H0 was rejected, so it can be said that the role variable of Islamic banking has a positive effect seen from the coefficient value of 2.235 > 1.9787 and is significant because the significance value is > 0.005. The role of Islamic banking is influential in encouraging the growth of SMEs with a determinant coefficient (R) of 76.2% and the remaining 23.8% is influenced by other factors outside the research model that are not included in the study such as people's purchasing power, level of marketing and others With the financing provided by the bank, the Syari'ah Bank in Bengkalis Regency can help develop community economic businesses in the future, can reduce poverty and increase the income of the poor by expanding employment and business opportunities.