The Effect Of The Principles Of Providing Production Credit On Increasing Cooperative Income

Abstract

A cooperative is a business entity consisting of individuals or cooperative legal entities based on their activities based on the cooperative principle as well as a people's economic movement based on kinship. Cooperatives in Indonesia, especially savings and loan cooperatives as one of the microfinance institutions established on the basis of the values of independence, responsibility, democracy, equality, justice and solidarity that have the determination to help develop MSME activities up to daily needs exemplified such as providing daily and even monthly credit. The purpose of this study is to determine the influence of personality, the influence of ability, the influence of capital, the influence of guarantees, the influence of economic conditions and credit loans based on the principle of lending to increase the income of the KSU Karya Nugraha cooperative. The research was conducted at the KSU Karya Nugraha Cooperative, Cipari Village, Ciautumn District, Kuningan Regency from April to June 2022. The object of this study is 30 farmers who are members of the KSU Karya Nugraha Cooperative in Cipari Village, Ciautumn District, Kuningan Regency. Data Analysis techniques carried out in this study include descriptive analysis, multiple linear regression analysis, f-test and t-test. The results showed that the results of regression variance analysis had a significant influence (real) between personality / Charakter (X1), ability / Capacity (X2), capital / Capital (X3), collateral / collateral (X4), economic conditions / condition (X5), on the increase in cooperative income (Y).