Analisis Pengaruh Kredit Macet Terhadap Sisa Hasil Usaha Anggota Pada Ksp Kopdit Adiguna Kecamatan Oebobo Kota Kupang
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Institusion
Universitas Katolik Widya Mandira Kupang
Author
UJUNG, Serlinda
Subject
HB Economic Theory
Datestamp
2022-11-23 00:27:36
Abstract :
The purpose of this research there are three, namely: 1). to find out how the development of bad debts in the Saving and Loan Cooperative Kopdit Adiguna. 2). To know the variable Credit Less smoothly, Doubtful Credit, and bad credit partially positive and significant effect against The Remainder Of The Proceeds Kopdit Adiguna Saving and Loan Cooperative member. 3). To know the variable Credit Less smoothly, Doubtful Credit, and bad credit simultaneously positive and significant effect against The Remainder Of The Proceeds members in the Saving and Loan Cooperative Kopdit Adiguna. These studies use quantitative data i.e. data that is a number in the truest sense, a variety of mathematical operations can be performed on quantitative data. Data sources used are secondary data, namely data obtained from records or books, magazines in the form of the financial statements of the company publications, reports, articles, books as theory, magazines and so on, with a significant level of 5% There are 24 samples in this study using Eviews 10 were analyzed with the statistical inferensial consisting of 1) classic assumption Test, namely the test of normality, multicollinearity, heterokedastisitas and autocorrelation test test. 2) regression analysis consisting of multiple linear regression analysis, 3) Test the hypothesis that consists of test t test, F and the coefficients of determination (R2 ). The research results obtained: Credit less smoothly, doubtful credit, bad credit simultaneously affect the rest of the results of the efforts of members of the KSP Kopdit Adiguna. Partially Credit less smoothly, doubtful credit, bad credit effect negatively to the rest of the members of the business results with the results of koefisisen determination 0.8523 or 85.23%, while the rest is 14.77% explained by other variables that are not included in this study. Based on the results of this research are recommended to the Executive Board is expected to reduce Credit Less smoothly, Doubtful Credit, Bad Credit with coordinate to settle arrears on credit by giving communication to the borrower.
The purpose of this research there are three, namely: 1). to find out how the development of bad debts in the Saving and Loan Cooperative Kopdit Adiguna. 2). To know the variable Credit Less smoothly, Doubtful Credit, and bad credit partially positive and significant effect against The Remainder Of The Proceeds Kopdit Adiguna Saving and Loan Cooperative member. 3). To know the variable Credit Less smoothly, Doubtful Credit, and bad credit simultaneously positive and significant effect against The Remainder Of The Proceeds members in the Saving and Loan Cooperative Kopdit Adiguna. These studies use quantitative data i.e. data that is a number in the truest sense, a variety of mathematical operations can be performed on quantitative data. Data sources used are secondary data, namely data obtained from records or books, magazines in the form of the financial statements of the company publications, reports, articles, books as theory, magazines and so on, with a significant level of 5% There are 24 samples in this study using Eviews 10 were analyzed with the statistical inferensial consisting of 1) classic assumption Test, namely the test of normality, multicollinearity, heterokedastisitas and autocorrelation test test. 2) regression analysis consisting of multiple linear regression analysis, 3) Test the hypothesis that consists of test t test, F and the coefficients of determination (R2 ). The research results obtained: Credit less smoothly, doubtful credit, bad credit simultaneously affect the rest of the results of the efforts of members of the KSP Kopdit Adiguna. Partially Credit less smoothly, doubtful credit, bad credit effect negatively to the rest of the members of the business results with the results of koefisisen determination 0.8523 or 85.23%, while the rest is 14.77% explained by other variables that are not included in this study. Based on the results of this research are recommended to the Executive Board is expected to reduce Credit Less smoothly, Doubtful Credit, Bad Credit with coordinate to settle arrears on credit by giving communication to the borrower.
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