KREDIT PT PNM MEKAR DALAM PENGEMBANGAN USAHA PEDAGANG KECIL

Abstract

The community is still having difficulty in capital to develop small merchant businesses so that they are still lacking in small traders business so that to develop a small trader business in Binontoan Village, North Tolitoli District, it requires additional capital to develop its business through PT PNM Mekar. in obtaining additional capital to increase its business. Study using the exptr facto method. This study aims to know the effect of credit of PT PNM Mekar on small traders business development in Binontoan Village. PT PNM Mekar has a positive and significant effect on small traders businesses in Binontoan Village, Tolitoli sub-district. PT PNM Mekar is able to contribute to or affect 41.2% of the small traders bussines development in Binontoan Village, Tolitoli Utara sub-district is not only affected by credit of PT PNM Mekar. The remaining 0.588 or 58.8% is affected by other factors which are not examined in this study, such as buyer factor, businnes site and environmental factor, and competitor factor. The correlation between credit of PT PNM Mekar and the small traders business develoment in Binontoan Villlage,Tolitoli Utara sub-distict can be observed from the result of the correlation coefficient of 0.642. this means that 64.2% of the small traders business develoment in Binontoan Village, Tolitoli Utara sub-distrct, is determined by credit of PT PNM Mekar. Thids value shows that there is a strong correlation between credit of PT PNM Mekar and the small traders business development.