This study aims to determine the effect of people's business credit on UMKM income (case study on BRI Micro Business Guiding Bank BRI Handsome Branch in 2014 (Tw 1) - 2018 (Tw 4)). The method used in this research is descriptive and quantitative methods. The analytical model used is nonparametric statistics, nonparametric statistics consist of several parts, namely Paired Sample T-Test. This t…