Evaluation of the Impact of UD AMB’S Capital Loan Program on the Economic Well Being of Communities in Silakkidir Village

This study aims to analyze the influence of capital loans provided by UD AMB on the improvement of community income in Silakkidir Village, Hutabayu Raja District. The research employs a quantitative approach using primary data in the form of time-series information obtained from the recipients of capital loans as the research sample. Data analysis was conducted using SPSS version 29 through a series of procedures, including data quality testing, normality testing, simple linear regression analysis, and hypothesis testing. The results indicate that the Capital Loan variable (X) has a significant effect on Community Income, as evidenced by a significance value of 0.001 < α 0.05.

Furthermore, the adjusted coefficient of determination (Adjusted R²) of 0.998 shows that 99.8% of the variation in Community Income is influenced by Capital Loans, while the remaining 0.2% is affected by other factors outside the model. Based on these findings, it is recommended to enhance access to and the quality of capital loans, strengthen business mentoring and training programs, evaluate the existing loan system, and develop synergistic programs to sustainably improve community income in Silakkidir Village.