The aim of this research is to find out the correlation between economic growth and inter regency income disparity in West Java Province year 2005 to 2014. This research is analysis of secondary data, using GDRP Based on constant price 2010, economic growth, and total population year 2005 to 2014. Data obtional from SCA of West Java Province and also the Local Goverment. Analysis model used is Williamson Index, Entropi Theil Index Calculation, Product Moment Colerration Analysis by Pearson, and Trend analysis. Based on Calculation of Williamson Index and Entropi Theil Index inter regency income disparity in West Java Province considered in high disparity with the average of Williamson index by 0.628 and Entropi Theil Index by 1.421. Based on Trand analysis disparity income show increasing trand. The Kuznets Hypothesis (U-inverted curve) proved to be not applicable in West Java Province during 2005 to 2014, and it shows that inequality is getting worse.Keywords: Income Disparity, Economic Growth, Kuznets Hypothesis.

AbstrakUMKM merupakan sektor yang mampu memperluas lapangan kerja dan meningkatkan pertumbuhan ekonomi tetapi masih menghadapi kendala dalam mengakses kredit perbankan. Penelitian ini bertujuan menganalisis perbedaan kinerja pengrajin logam yang menerima kredit perbankan, sebelum dan sesudah menerima kredit perbankan. Kinerja pengrajin logam dilihat dari tingkat pendapatan bersih. Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian kuantitatif. Penelitian ini menggunakan data primer. Data primer diperoleh dari hasil wawancara langsung dengan 16 pengrajin logam di Desa Pasir Wetan Kecamatan Karanglewas Kabupaten Banyumas yang mendapatkan kredit perbankan. Metode analisis yang digunakan dalam penelitian ini adalah analisis uji perbedaan. Dalam penelitian ini digunakan  Uji Wilcoxon. Hasil penelitian menunjukkan bahwa terdapat perbedaan kinerja yang signifikan antara sebelum dan sesudah menerima kredit perbankan. Keberadaan kredit perbankan memberikan manfaat bagi pengembangan UMKM logam di Desa Pasir Wetan Kecamatan Karanglewas Kabupaten Banyumas, dimana kinerja pengrajin logam mengalami peningkatan. Kredit perbankan diperlukan oleh pengrajin logam di Desa Pasir Wetan untuk mengatasi masalah keterbatasan modal yang dimiliki dalam upaya pengembangan usaha pengolahan logam. Langkah-langkah yang dapat dilakukan oleh pemerintah terkait upaya meningkatkan akses UMKM terhadap modal adalah dengan memberikan insentif-insentif dan mendesain ulang berbagai program kredit yang telah ada.Kata kunci: UMKM; Kinerja; Kredit Bank; Strategi Pengembangan UMKM AbstractMSME is a sector that is able to expand employment opprtunities and increase economic growth but still faces obstacles in accessing bank credit. This research aimed to analyze the performance difference of metal craftsmen receiving bank credit, before and after receiving bank credit. The performance of metal craftsmen can be seen from net income level. The research method used in this study was a quantitative research method. This research used primary data. Primary data was obtained from direct interview with     16 metal craftsmen who receive bank credit in Pasir Wetan Village Karanglewas Sub-District Banyumas Regency who receive bank credit. The analysis method used in this research was statistical differences testing. In this study, the Wilcoxon Test was used. The result indicated that there was a significant difference before and after receiving bank credit. The existence of bank credit provided benefits for the development of MSME metal in Pasir Wetan Village, Karanglewas Sub-District, Banyumas Regency, in which the performance of metal craftsmen has increased. Bank credit was required by metal craftsmen in Pasir Wetan Village to overcome the problem of limited capital in developing the metal processing business. The measures that can be taken by the government related to efforts to improve MSME access to capital are to provide incentives and redesign existing credit programs.Keywords: MSMEs; Performance; Bank Credit; MSMEs Development Strategy