The Analysis of the Impact of Bank Loan Implementation to Increase Micro Scale Company Profit: Case Study in Hamster Breeder Company in Bandung-Indonesia

Abstract

This research will focus on how entrepreneur will increase business’s profit continuously based on credit implementation . The objective of this research is to analysis the impact of company Bank loan implementation in increasing company profit, especially in micro firm. The research object is a Hamster breeder company which is a micro scale company. The company is located in Bandung (Indonesia) which name is The Hammy shop. The costumers of this company are either the Hamster distributor or the pet shops. In order to enlarge business, the company has made a bank loan to increase its capital, in the year 2010. That why, this research has used data in period 2009 – 2010 before and after bank loan implemented in the company. Which is used the analytical descriptive method, this research come up to conclusion: after bank loan has implemented by company, the sales increase from Rp. 88.493.500 to Rp. 140.101.500 (58.3%), and also the expenses has increased from Rp. 1.385.000 to Rp. 2.077.000 (49.9%). This means that company net income increased by 59.55%. in other words the research hypothesis that is company net income will increase statistically significant as a result of bank loan implementation has proved, which significant value [0.001] and significant level (α) = 0.05.