THE INFLUENCE OF BANK LENDING, OVERDRAFT FACILITIES, AND OWNERS EXPERIENCE ON REINVESTMENT  (Study on MSME Actors in Lhokseumawe City)

Nadia Hasely; Rico Nur Ilham; Iklil; Tari Mardhia; Alfaiza

doi:10.54443/ihert.v4i1.321

THE INFLUENCE OF BANK LENDING, OVERDRAFT FACILITIES, AND OWNERS EXPERIENCE ON REINVESTMENT (Study on MSME Actors in Lhokseumawe City)

Nadia Hasely

Rico Nur Ilham

Iklil

Tari Mardhia

Alfaiza

The aim of this research is to determine the influence of bank lending, overdraft facilities, and owners experience on reinvestment. The method used is quantitative, the population is MSME actors in Lhokseumawe City, while the number of samples used is 100 respondents, the data used is primary data from the results of questionnaires, data analysis uses multiple linear regression and hypothesis testing. The results of this research show that bank lending has a positive and significant effect on reinvestment in Lhokseumawe City MSMEs, this is because the significance value is 0.000 < 0.05. Overdraft facilities have a negative and insignificant effect on reinvestment in Lhokseumawe City MSMEs, this is because the significance value is 0.147 <0.05. Owners experience has a positive and significant effect on reinvestment in Lhokseumawe City MSMEs, this is because the significance value is 0.000 < 0.05. Bank lending, overdraft facilities, and owners experience simultaneously and significantly influence reinvestment in Lhokseumawe City MSMEs, this is because the significance value is 0.000 < 0.05.

Keywords: bank lending, overdraft facilities, owners experiences, reinvestment,

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Bhat, R. M. (2022). Legacy of Buddhism in Kashmir. Journal of Psychology and Political Science (JPPS) ISSN 2799-1024, 2(03), 23-30.

Bhat, R. M. (2018). Shawl Industry in Kashmir from 1846-1907 with Special Reference to the Dogra Rule. In Source: Proceedings of the South Indian History Congress (Vol. 38, pp. 554-557).

Bhat, R. M. (2023). DR. BHIM RAO AMBEDKAR’S ADVOCACY OF WOMEN RIGHTS. MORFAI JOURNAL, 2(4), 730-736.

Bhat, R. M. (2023). THE GHADAR MOVEMENT: IGNITING THE FLAME OF FREEDOM IN INDIA. International Journal of Educational Review, Law And Social Sciences (IJERLAS), 3(4), 1123-1131.

Bhat, R. M., Rajan, P., & Gamage, L. (2023). Redressing Historical Bias: Exploring the Path to an Accurate Representation of the Past. Journal of Social Science, 4(3), 698-705.

Bhat, R. M. (2022). Queen Yasovati: A Descriptive Study on her Leadership in the Kingdom of Kashmir. Journal of Psychology and Political Science (JPPS) ISSN 2799-1024, 2(05), 11-17.

Bhat, R. M., & Rajeshwari, R. (2022, December). DIASPORIC CULTURE AND INTERNATIONAL RELATIONS-A HISTORICAL STUDY. In International Conference on Health Science, Green Economics, Educational Review and Technology (Vol. 4, pp. 41-46).

Bhat, R. M. (2022). Historical Review of Indian Constitution. TRADITIONAL JOURNAL OF LAW AND SOCIAL SCIENCES, 1(02), 100-110.

Bhat, R. M., Silllalee, A., & Kandasamy, L. S. (2023). Concepts and Contexts: The Interplay of Philosophy and History in Understanding Human Society. East Asian Journal of Multidisciplinary Research, 2(6), 2581-2590.