PENGARUH PEMBIAYAAN KREDIT USAHARAKYAT (KUR)TERHADAP PENINGKATAN PENDAPATAN DEBITURBANK RIAU KEPRI SYARIAH PEKANBARU MARPOYAN

Abstract

This study investigates the impact of the government’s Kredit Usaha Rakyat (KUR) program on the income growth of borrowers at Bank Riau Kepri Syariah, PekanbaruMarpoyan. Employing a quantitative research design, primary data were collected via questionnaires from 33 KUR beneficiaries, and analyzed using IBM SPSS Statistics version 25. The T‑test results revealed a p-value of 0.03, which is below the conventional 0.05 threshold. Based on this finding, the null hypothesis (H₀) is rejected in favor of the alternative hypothesis (Hₐ), indicating that KUR financing significantly enhances borrower income at the specified branch of Bank Riau Kepri Syariah Pekanbaru Marpoyan