THE EFFECT OF PERAMBA BULAN COOPERATIVE LOAN FUNDS ON THE INCREASE IN MICRO BUSINESS INCOME IN THE BABADAN VILLAGE AREA
Keywords:
Loan Fund, Peramba Bulan Cooperative, Micro Enterprises, Income, Babadan, VillageAbstract
The purpose of this study is to evaluate how the provision of loan funds by the Peramba Bulan Cooperative has an impact on increasing the income of micro business actors in the Babadan Village area. Cooperatives are expected to be an effective financial solution because micro businesses often face capital problems when building their businesses. This research was carried out quantitatively using an associative approach. The data was collected through a questionnaire distributed to a number of micro business actors in Babadan Village who are active debtors of the Peramba Bulan Cooperative. To test the research hypothesis, simple linear regression analysis, classical assumption test, and instrument test are used. The results of the analysis showed that the loan funds of the Peramba Bulan Cooperative had a positive and significant impact on increasing the income of micro businesses in the area. Businesses with additional capital can increase sales volume and production scale. This study found that targeted access to microfinance plays an important role in improving the domestic economy at the rural level. This journal suggests that cooperatives and business actors work better together with the help of financial management so that capital utilization can be optimized.
References
Baihaqie, M. I., Ridwan, M., & Pratama, G. (2026). The Relevance of Fiqh Muamalah Study in the Development of the Digital Economy. Ecobankers: Journal of Economy and Banking, 7(1), 33-40.
Misbahkhuzein, H., Ramdhaniah, N. W., Azizah, F., & Pratama, G. (2025). Analisis Konseptual Peran Uang dalam Menunjang Pertumbuhan Ekonomi: Perspektif Ekonomi Konvensional dan Syariah. Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen, 4(4), 255-264.
Hartina, S., Pratama, G., Munajim, A., & Ridwan, M. (2026). The Role of PT Danamas Insan Kreasi Andalan in Enhancing Community Economic Development: An Islamic Economic Perspective (Cirebon Branch). Ecobankers: Journal of Economy and Banking, 7(1), 114-120.
Intan Nurbaiti, & Rypho Delzi Perkasa. (2023). The Effect of Own Capital, Loan Capital, and Business Volume on the Difference in Business Results (SHU) in Savings and Loan Cooperatives. INNOVATIVE: Journal Of Social Science Research, 3 Number 4, 3440–3450
Jelatu, H. (2024). Journal of Humanities and Social Sciences THE EFFECT OF LOAN CAPITAL AND OWN CAPITAL ON THE INCOME LEVEL (SHU) OF SAVINGS AND LOAN COOPERATIVES. Journal of Humanities and Social Sciences, 1(2), 203–209.
Kelana, S., Budiana, B., Wajdi, F., & Pratama, G. (2026). Understanding Financing Literacy and Its Impact on Mortgage Application Intention: An Islamic Economics Perspective. Ecobankers: Journal of Economy and Banking, 7(1), 161-171.
Sugiyono. (2017). Quantitative, Qualitative, and R&D Research Methods. Bandung: Alfabeta.
Tambunan, T. (2012). Micro, Small and Medium Enterprises in Indonesia: Important Issues. Jakarta: LP3ES.
Pratama, G., As' adi, A., Rahmah, A., Muhajir, A. A., Fauziyah, A., Nuramalia, A., ... & Elatifania, W. (2025). Digital Marketing. PT Arr Rad Pratama.
Pratama, G., Afifah, N., Putri, A., Fadlillah, N., & Rohmatillah, N. (2026, April). Synergy Of Sharia Banks and Fintech in Supporting Islamic Monetary Policy in The Digital Era. In Proceedings International Conference of Bunga Bangsa (Vol. 4, No. 1, pp. 524-532).
Pratama, G. (2026). Bank Islam Brunei Darussalam (BIBD) as a Pillar of National Sharia Finance: A Study of Its Historical Development, Operational Framework, and Role in the Global Financial System. Ecobankers: Journal of Economy and Banking, 7(1), 98-104.
Pratama, G., Ridwan, M., & Riyani, A. (2023). Analysis of the financial management system of sharia financing with murabahah contracts. Ecobankers: Journal of Economics and Banking, 4(1), 35-42.
Ridwan, M., Ghofur, A., Rokhmadi, R., & Pratama, G. (2023). Pemikiran Ekonomi Islam Ibnu Khaldun: Sebuah Pendekatan Sosio Historis. Iqtisad: Reconstruction of Justice and Welfare for Indonesia, 10(1), 113-130.
Wati, A., Aisyah, S., & Utomo, A. (2017). Madura Batik Village Tourism with Nuances of Nuanced Griya Adat Nusantara as an Innovation to Build the Tanjung Bumi Economy. Competence, 11(1), 137–151.
Wetty Sulistiowati, D. S. K. (2022). A study on the influence of capital and loans on. Journal of Sharia Economic Thought and Development, 8, 83–100. https://ejournal.stebisigm.ac.id/index.php/esha/article/view/536
Vina Rakhmawati, Eka Nurfadila, & Gama Pratama. (2025). Uang dan Mekanisme Bunga: Konsep, Definisi, serta Contoh dalam Sistem Ekonomi Modern. Jurnal Manajemen Dan Bisnis Ekonomi, 3(4), 66–79. https://doi.org/10.54066/jmbe-itb.v3i4.3575
Yuli, M., Ningsih, S. A., & Pratama, G. (2025). Faktor-Faktor Penyebab Masalah Pokok Pembangunan Ekonomi di Era Globalisasi di Indonesia. Jurnal Manajemen Dan Bisnis Ekonomi, 3(4), 21-30.
