ANALISIS FAKTOR- FAKTOR YANG MEMPENGARUHI NON PERFORMING LOAN (NPL) PADA KREDIT MIKRO (STUDI KASUS PT BANK RAKYAT INDONESIA (PERSERO) Tbk, UNIT BIDARACINA)
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Institusion
Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta
Author
Putri, Diana Ekawati
Subject
Akuntansi Manajemen
Datestamp
2020-10-19 06:35:49
Abstract :
Penelitian ini bertujuan untuk mengetahui Faktor-Faktor Yang Mempengaruhi Non Performing Loan (NPL) Pada Kredit Mikro di Bank BRI unit Bidaracina. Penelitian ini menggunakan jenis penelitian deskriptif pendekatan kuantitatif, yang diukur dengan menggunakan analisis statistik dengan aplikasi Eviews 10. Populasi dari penelitian ini adalah Debitur baru yang memiliki usaha mikro pada Bank BRI unit Bidaracina. Teknik pengambilan sampel menggunakan teknik pengumpulan data dengan dokumentasi dan wawancara yang dilakukan kepada Account Officer yang menangani kredit Bank BRI unit Bidaracina. Sampel dalam penelitian ini sebanyak 808 debitur kredit mikro pada Bank BRI unit Bidaracina dari tahun 2016-2019. Teknik pengumpulan data dengan menggunakan uji validasi model regresi logistik. Hasil penelitian membuktikan bahwa (1) Jumlah Pembiayaan berpengaruh secara signifikan terhadap Non Performing Loan (NPL) Bank BRI cabang Bidaracina (2) Jumlah Tanggungan tidak berpengaruh secara signifikan terhadap Non Performing Loan (NPL) Bank BRI cabang Bidaracina (3) Jangka Waktu berpengaruh secara signifikan terhadap Non Performing Loan (NPL) Bank BRI cabang Bidaracina (4) Pendapatan Usaha tidak berpengaruh secara signifikan terhadap Non Performing Loan (NPL) Bank BRI cabang Bidaracina (5) Nilai Agunan tidak berpengaruh secara signifikan terhadap Non Performing Loan (NPL) Bank BRI cabang Bidaracina (6) Suku Bunga tidak berpengaruh secara signifikan terhadap Non Performing Loan (NPL) Bank BRI cabang Bidaracina. This study aims to determine the Factors that Affecting Non-Performing Loans (NPLs) on Micro Credit at the Bank BRI Bidaracina. This research used a descriptive quantitative approach, which was measured by using statistical analysis with the Eviews 10 application. The population of this study was new debtors who had a micro business at the Bank BRI Bidaracina. The sampling technique used data collection techniques with documentation and interviews conducted with the Account Officer who handled credit the Bank BRI Bidaracina. The sample in this study were 808 micro credit debtors at the Bank BRI Bidaracina during 2016-2019. Data collection technique was logistic regression model validation tests. The results of the study prove that (1) the amount of financing has a significant effect on the Non-Performing Loan (NPL) of the Bidaracina branch of the BRI Bank; (2) the amount of dependents has no significant effect on the Non Performing Loan (NPL) of the Bank BRI Bidaracina; (3) Time period has significant effect on Non Performing Loans (NPL) of Bank BRI Bidaracina (4) Operating Income does not have a significant effect on Non Performing Loans (NPL) of Bank BRI Bidaracina (5) Collateral value does not significantly affect Non Performing Loans (NPL) of Bank BRI Bidaracina (6) Interest rates do not have a significant effect on the Non-Performing Loan (NPL) of Bank BRI Bidaracina.
Penelitian ini bertujuan untuk mengetahui Faktor-Faktor Yang Mempengaruhi Non Performing Loan (NPL) Pada Kredit Mikro di Bank BRI unit Bidaracina. Penelitian ini menggunakan jenis penelitian deskriptif pendekatan kuantitatif, yang diukur dengan menggunakan analisis statistik dengan aplikasi Eviews 10. Populasi dari penelitian ini adalah Debitur baru yang memiliki usaha mikro pada Bank BRI unit Bidaracina. Teknik pengambilan sampel menggunakan teknik pengumpulan data dengan dokumentasi dan wawancara yang dilakukan kepada Account Officer yang menangani kredit Bank BRI unit Bidaracina. Sampel dalam penelitian ini sebanyak 808 debitur kredit mikro pada Bank BRI unit Bidaracina dari tahun 2016-2019. Teknik pengumpulan data dengan menggunakan uji validasi model regresi logistik. Hasil penelitian membuktikan bahwa (1) Jumlah Pembiayaan berpengaruh secara signifikan terhadap Non Performing Loan (NPL) Bank BRI cabang Bidaracina (2) Jumlah Tanggungan tidak berpengaruh secara signifikan terhadap Non Performing Loan (NPL) Bank BRI cabang Bidaracina (3) Jangka Waktu berpengaruh secara signifikan terhadap Non Performing Loan (NPL) Bank BRI cabang Bidaracina (4) Pendapatan Usaha tidak berpengaruh secara signifikan terhadap Non Performing Loan (NPL) Bank BRI cabang Bidaracina (5) Nilai Agunan tidak berpengaruh secara signifikan terhadap Non Performing Loan (NPL) Bank BRI cabang Bidaracina (6) Suku Bunga tidak berpengaruh secara signifikan terhadap Non Performing Loan (NPL) Bank BRI cabang Bidaracina. This study aims to determine the Factors that Affecting Non-Performing Loans (NPLs) on Micro Credit at the Bank BRI Bidaracina. This research used a descriptive quantitative approach, which was measured by using statistical analysis with the Eviews 10 application. The population of this study was new debtors who had a micro business at the Bank BRI Bidaracina. The sampling technique used data collection techniques with documentation and interviews conducted with the Account Officer who handled credit the Bank BRI Bidaracina. The sample in this study were 808 micro credit debtors at the Bank BRI Bidaracina during 2016-2019. Data collection technique was logistic regression model validation tests. The results of the study prove that (1) the amount of financing has a significant effect on the Non-Performing Loan (NPL) of the Bidaracina branch of the BRI Bank; (2) the amount of dependents has no significant effect on the Non Performing Loan (NPL) of the Bank BRI Bidaracina; (3) Time period has significant effect on Non Performing Loans (NPL) of Bank BRI Bidaracina (4) Operating Income does not have a significant effect on Non Performing Loans (NPL) of Bank BRI Bidaracina (5) Collateral value does not significantly affect Non Performing Loans (NPL) of Bank BRI Bidaracina (6) Interest rates do not have a significant effect on the Non-Performing Loan (NPL) of Bank BRI Bidaracina.
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