PENGARUH KREDIT MACET TERHADAP MODAL KERJA PADA KOPERASI SIMPAN PINJAM RAHMAT SEJAHTERAH WOTU KABUPATEN LUWU TIMUR
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Institusion
Universitas Muhammadiyah Palopo
Author
jumahira, ira
Subject
HB Economic Theory
Datestamp
2021-09-27 08:43:43
Abstract :
This research is about Bad Credit Against the Rahmat Sejahtera Wotu Savings and Loan Cooperative, East Luwu district. Based on the statistical test, it is found that bad credit has an effect on working capital in the Rahmat Sejahtera wotu savings and loan cooperative in East Luwu Regency and working capital has a significant effect on the Rahmat Sejahtera Wotu Savings and Loan Cooperative in East Luwu Regency with a simple linear regression in this study is Y = 2.351 + 0.722X + e where the constant value (a) is 2.351, meaning that if the Bad Credit variable (X) is considered constant, the working capital variable (Y) in the Rahmat Sejahtera Wotu Savings and Loans Cooperative does not change in number, which is 2.351 and the regression coefficient value X = 0.722 means that The direction of the relationship between the independent variable (Bad Credit) and the dependent variable (Working Capital) is unidirectional , meaning that each increase in one unit of the Non-Performing Credit variable will cause an increase in Working Capital by 0.722. Based on the results of the T-Table test for df = 30-2-1 = 27 and ? = 0.05, then the T-table with a value of 1.703 and T-count of 0.445 is obtained, thus T-count is smaller. than T-table, so it can be concluded that the Sig value for the effect of bad credit (X) on working capital (Y) is 0.001 <0.05 and the value of Tcount is 3.883> Ttable 1.703 so it can be concluded that there is a significant influence between the non-performing credit variable (X) on the working capital variable (Y) and R Square of 0.350 or 35%. This shows that the percentage of the contribution of the influence of the independent variable, namely Bad Credit on the dependent variable or working capital, is 35%. While the remaining 65% is influenced by other factors not included in this study Keywords: bad credit and working capital
This research is about Bad Credit Against the Rahmat Sejahtera Wotu Savings and Loan Cooperative, East Luwu district. Based on the statistical test, it is found that bad credit has an effect on working capital in the Rahmat Sejahtera wotu savings and loan cooperative in East Luwu Regency and working capital has a significant effect on the Rahmat Sejahtera Wotu Savings and Loan Cooperative in East Luwu Regency with a simple linear regression in this study is Y = 2.351 + 0.722X + e where the constant value (a) is 2.351, meaning that if the Bad Credit variable (X) is considered constant, the working capital variable (Y) in the Rahmat Sejahtera Wotu Savings and Loans Cooperative does not change in number, which is 2.351 and the regression coefficient value X = 0.722 means that The direction of the relationship between the independent variable (Bad Credit) and the dependent variable (Working Capital) is unidirectional , meaning that each increase in one unit of the Non-Performing Credit variable will cause an increase in Working Capital by 0.722. Based on the results of the T-Table test for df = 30-2-1 = 27 and ? = 0.05, then the T-table with a value of 1.703 and T-count of 0.445 is obtained, thus T-count is smaller. than T-table, so it can be concluded that the Sig value for the effect of bad credit (X) on working capital (Y) is 0.001 <0.05 and the value of Tcount is 3.883> Ttable 1.703 so it can be concluded that there is a significant influence between the non-performing credit variable (X) on the working capital variable (Y) and R Square of 0.350 or 35%. This shows that the percentage of the contribution of the influence of the independent variable, namely Bad Credit on the dependent variable or working capital, is 35%. While the remaining 65% is influenced by other factors not included in this study Keywords: bad credit and working capital
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