The objectives of this research are to examine the revenue impact and the repayment capacity of working modal
credit facility for Small Medium Eterprises by using joint liability. This research used a correlational approach
and purposive sampling technique with several criteria such as: (1) Small Medium Eterprises should
have 5 (five) people minimally; (2) Small Medium Eterprises have been guided by a university; (3) Small
Medium Eterprises have got a loan from a bank. The result of this research shows that the revenue and the
rep6ayment capacity from the fourth Small Medium Eterprises have increased. The highest revenue is obtained
from Batik sector and the lowest revenue is obtained from convection sector.
Keywords: income, repayment capacity, business group