41581.pdf UNIVERSITAS TERBUKA. Koleksi Perpustakaan Universitas Terbuka

U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf

Koleksi Perpustakaan Universitas Terbuka

U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


14/41581.pdf

ABSTRACT

Several Factors That Influence Loan Deliquencies in Credit Union Sejahtera Cibinong

KA

Sutanto A. Hamid Unoiversitas Terbuka

BU

Key words: Net Inetrest Rate, Loan collectibility and Loan deliquency

U

N

IV

ER

SI T

AS

TE

R

This study was motivated by the development of non bank financial institution in Indonesia and vital role of the non bank finansial institution to the growth of people income in Indonesia, include which is done by credit union. By the development of credit union in Indonesia cause increasing loan funnel to its members. Particularly this study was to evaluate about loan deliquency in credit union which which is increasing. Loan distribution by credit union will help its members to get the loan without complicated procedures like in bank. The study was can conducted in Credit Union Sejahtem Cibinong, Bogor, to study management of interest mte and collectibility of the loan supposing influence loan deliquency. The method used in the study is partil and multiple linear regression, which the results are only net interest mte in partial regression influence to loan deliquencies while collectibility loan do not influence loan deliquencies. In multiple regression both variable of net interest mte and collectibility loan variable influence very small to loan deliquencies.

v


14/41581.pdf

ABSTRAK Faktor-Faktor Yang Mempengaruhi Variabel Kredit Macet Pada Koperasi Kredit Sejahtera Cibinong Sutanto Andya Hamid Universitas terbuka Kata Kunci: Tingkat bunga pinjaman riel, kolleetibilitas pinjaman dan macet.

pinjaman

R

BU

KA

Penelitian ini dilatarbelakangi oleh perkembangan lembaga keuangan non bank di Indonesia dan semakin vitalnya perenan lembaga keuangan non bank dalam perumbuhan ekonomi masyarakat di Indonesia, termasuk yang dilakukan oleh Koperasi Kredit. Dengan meningkatnya perkembangan Koperasi Kredit di Indonesia semakin meningkat pula penyaluran kredit kepada masyarakat.

SI T

AS

TE

Secara khusus penelitian ini mengulas tentang kredit macet yang dialami oleh Koperasi Kredit Sejahtera yang semakin meningkat. SebaUknya pemberian kredit oleh koperasi kredit dapat membantu masyarakat dalam memperoleh kredit tanpa melalui prosedur yang sulit yang selama ini menjadu kendala bagi masyarakat untuk mendapatkan kredit melalui bank.

ER

Penelitian ini dilakukan pada Koperasi Kredit Sejahtera Cibinong, Kabupaten Bogor, dan bertujuan untuk menguji faktor tingkat bunga pinjaman dan kolektibilitas kredit terhadap kredit macet pada Koperasi Kredit Sejahtera.

U

N

IV

Metode yang digunakan dalam penelitian ini adalah dengan menggunakan analisa regresi parsial dan , yang mana berganda, yang mana pada analisapastial hanya tingkat bunga pinjaman riel yang berpengaruh pada pinjamanlkredit macet, sedangkan pada variabel kolektibilitas kredit tidak berpengaruh terhadap kredit macet. Pada analisa regresi berganda kedua variabel tersebut berpengaruh sangat keeil terhadap kredit macet, brena pengaruhnya hanya 30,65 0/. yag berarti sebesar 69,35 0/. dipengarubi oleh variabellain.

VI


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N

IV

ER

SI T

AS

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U

N IV

ER

SI TA

S

TE

R

BU

KA

14/41581.pdf


U N

IV ER SI

TA S

TE

R

BU

KA

14/41581.pdf


41581.pdf UNIVERSITAS TERBUKA. Koleksi Perpustakaan Universitas Terbuka

Recommend Documents