Analisis Peranan Kredit Perbankan Dalam Pengembangan UMK (Usaha Mikro dan Kecil) di Kecamatan Medan Helvetia.

The role of UKM is perceived by a developing country, especially in number of business entities and employment. As a city with a growing economy, Medan city is currently making UKM as one of the priorities in the field of economic development work program. Flexibility of the UKM can be directly felt by the people, especially in the capital aspect and its ability to bounce back from the impact of the regional economic crisis. But like the business world in general, the UKM sector also has its own obstacles, especially in terms of capital. To overcome this problem, the bank plays an important role in UKM development by providing credit facilities for UKMs capital.This research aims to determine differences in incomes between the UKMs entrepreneurs before and after receiving credit from banks, and to find out what factors affecting UKMs entrepreneurs in their decisions to take credit from banks. The data used are primary data obtained by direct research in the field. The research method used was a mixture of research methods, different test by SPSS through the Paired Sample T-Test, and methods of data tabulation. The research sample was 40 respondents. Locations were subjected to research is the district Medan Helvetia.