ABSTRAK
Penelitian ini bertujuan untuk mengetahui: 1) Kontribusi pemberian kredit terhadap tingkat pendapatan UKM di Kota Madiun. 2) Kontribusi kemampuan manajerial terhadap tingkat pendapatan UKM di Kota Madiun. 3) Kontribusi diferensiasi produk terhadap tingkat pendapatan UKM di Kota Madiun. 4) Kontribusi pemberian kredit, kemampuan manajerial dan diferensiasi produk secara bersama-sama terhadap tingkat pendapatan UKM di Kota Madiun.
Penelitian ini merupakan penelitian deskriftif kuantitatif. Populasi penelitian ini adalah seluruh UKM pada tiga kecamatan di Kota Madiun yang berjumlah 113 UKM, sedangkan sampel penelitian ini diambil sebanyak 90 UKM. Sampel tersebut diambil dengan teknik proportionate stratified random sampling. Teknik pengumpulan data menggunakan angket dan dokumentasi. Teknik analisis data pada penelitian ini adalah dengan menggunakan regresi linier sederhana dan regresi linier berganda.
Berdasarkan uji hipotesis dibuktikan bahwa: 1) Terdapat kontribusi positif dan signifikan pemberian kredit terhadap tingkat pendapatan UKM di Kota Madiun sebesar 11,516%. 2) Terdapat kontribusi positif dan signifikankemampuan manajerial terhadap tingkat pendapatan UKM di Kota Madiun sebesar 11,428%. 3) Terdapat kontribusi positif dan signifikan diferensiasi produk terhadap tingkat pendapatan UKM di Kota Madiun sebesar 17,056%. 4) Terdapat kontribusi pemberian kredit, kemampuan manajerial dan diferensiasi produk secara bersama-sama terhadap tingkat pendapatan UKM di Kota Madiun sebesar 40%. Dengan demikian dapat disimpulakan bahwa pemberian kredit, kemampuan manajerial dan diferensiasi produk berkontribusi terhadap tingkat pendapatan UKM di Kota Madiun.
Kata Kunci:  Pemberian Kredit, Kemampuan Manajerial, Diferensiasi Produk dan Tingkat Pendapatan UKM
ABSTRACT
The objectives of this research are to investigate:(1) the contribution of credit provision to the income level of Small- and Medium-Enterprises in Madiun City; (2) the contribution of managerial ability to the income level of Small- and Medium-Enterprises in Madiun City; (3) the contribution of product differentiation to the income level of Small- and Medium-Enterprises in Madiun City;and (4) the simultaneous contribution of the credit provision, the managerial ability, and the product differentiation to the income level of Small- and Medium-Enterprises in Madiun City.
This research used the quantitative descriptive method. Its population was all of the Small- and Medium-Scale in three sub-districts in Madiun City as many as 113 enterprises. The samples of research consisted of 90 enterprises and were taken by using the cluster sampling technique. The data of research were gathered through questionnaire and documentation. They were analyzed by using the simple and multiple regression analysis.
The results of the hypothesis test show that (1) there isa positive and significant contribution of the credit provision to the income level of Small- and Medium-Enterprises in Madiun City as much as 11,516%; (2) there isa positive and significant contribution of the managerial ability to the income level of Small- and Medium-Enterprises in Madiun City  as much as 11,428%; (3) there is a a positive and significant contribution of the product differentiation to the income level of Small- and Medium-Enterprises in Madiun City as much as 17,056%; and (4) there is a simultaneous contribution of the credit provision, the managerial ability,and product differentiation to the income level of Small- and Medium-Enterprises in Madiun City as much as 40%. Therefore, a conclusion can be drawn that the credit provision, the managerial skill, and the product differentiation directly contribute to the income level of Small- and Medium-Enterprises in Madiun City.
Keyword: Credit provision, managerial ability, product differentiation, and Income
Level of Small- and Medium-Scale Enterprises.