ANALISIS PERKEMBANGAN USAHA MIKRO YANG MEMPEROLEH PINJAMAN DANA BERGULIR PERIODE 2013 – 2014 DARI DINAS KOPERASI DAN USAHA MIKRO KOTA SEMARANG YANG DISALURKAN MELALUI PD. BPR BANK PASAR DAN BANK MUAMALAT CABANG SEMARANG

Abstract

Micro enterprises are the largest group (98%) in Indonesian economy which focus on trade and services. The most fundamental obstacles encountered in the development of micro enterprises in Indonesia are limited capital and difficulties of accessing capital sources. This research discusses the revolving loan fund for micro enterprises by the Department of Cooperatives and Micro Enterprises Semarang. The purpose of this study is to analyze the development of micro enterprises in Semarang City based on the differences of the product, sales turnover, profit, and working hours of the micro enterprises which had obtained the revolving loan fund. This research is conducted by using survey method towards 38 micro enterprises who had received revolving loan fund from Department of Cooperatives and Micro Enterprises Semarang. Data analysis in this study uses validity and reliability test, descriptive analysis, and the Wilcoxon sign rank test to determine the development of micro enterprises after receiving the revolving loan fund. The result showed that the revolving loan fund from Department of Cooperatives Micro Enterprises Semarang can help the micro enterprises in Semarang city to increase products, sales turnover, profit, and working hourswhich is refer to the variable differences of theproduct, sales turnover, profit, and working hours betweenbefore and after obtaining the revolving loan fund. It concludes that the government assistance programs through the provision of revolving loan fund can help the prospects and development of micro enterprises.