ANALISIS PENGARUH KEBIJAKAN PERKREDITAN TERHADAP TINGKAT PERMINTAAN KREDIT PADA BANK BUMN DI SUMATERA UTARA

Lampiran 1 Daftar Pertanyaan

ANALISIS PENGARUH KEBIJAKAN PERKREDITAN TERHADAP TINGKAT PERMINTAAN KREDIT PADA BANK BUMN DI SUMATERA UTARA (STUDI KASUS PADA PT. BANK RAKYAT INDONESIA (PERSERO) CABANG LUBUK PAKAM)

A. Identitas Responden 1. Nomor Responden

:

2. Nama debitur/calon debitur

:

3. Nama badan usaha

:

4. Lokasi/alamat

:

5. Jenis Usaha

:

6. Jumlah Kredit

:

7. Suku Bunga

:

B. Petunjuk Pengisian Kuesioner dibawah ini berisi pertanyaan tentang bagaimana persepsi debitur/calon debitur terhadap standar operasional perkreditan bank. Pada masingmasing bagian terdapat beberapa pertanyaan dengan lima pilihan jawaban. Dalam kuesioner ini tidak ada jawaban yang benar atau salah, pilihlah jawaban yang paling sesuai dengan pendapat anda dengan cara memberikan tanda silang (X) pada huruf pilihan anda, dengan jawaban pilihan: a. = Nilai 5 b. = Nilai 4 c. = Nilai 3 d. = Nilai 2 e. = Nilai 1

Universitas Sumatera Utara

C. Kebijakan Kredit 1. Menurut Bapak/ibu apakah suku bunga kredit yang ditetapkan oleh PT. Bank Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam sudah sesuai dengan harapan Bapak/ibu? a. Sangat Sesuai (5)

b. Sesuai (4)

c. Cukup sesuai (3)

d. Tidak Sesuai (2)

e. Sangat tidak sesuai (1)

Jelaskan:............................................................................................................... .............................................................................................................................. 2. Menurut Bapak/ibu apakah tingkat suku bunga yang berlaku saat ini sudah dapat membantu sektor mikro, kecil, dan menengah (UMKM) dalam mengembangkan usahanya? a. Sangat Membantu(5) b.Sudah Membantu(4) c. Cukup Membantu (3) d. Belum Membantu(2)

e. Tidak Berpengaruh (1)

Jelaskan:............................................................................................................... .............................................................................................................................. 3. Menurut Bapak/ibu apakah plafond kredit yang ditetapkan oleh PT.Bank Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam sesuai dengan bidang usaha bapak/ibu? a. Sangat Sesuai (5)

b. Sesuai (4)

c. Cukup sesuai (3)

d. Tidak Sesuai (2)


Jelaskan:............................................................................................................... .............................................................................................................................. 4. Menurut Bapak/ibu apakah ketentuan jaminan yang ditetapkan PT.Bank Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam sesuai dengan besarnya kredit yang bapak/ibu ajukan? a. Sangat Sesuai (5)

b. Sesuai (4)

c. Cukup sesuai (3)


d. Tidak Sesuai (2)


Jelaskan:............................................................................................................... ..............................................................................................................................

5. Menurut Bapak/ibu apakah lama waktu kredit yang ditetapkan PT.Bank Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam sesuai dengan kebutuhan bapak/ibu? a. Sangat Sesuai (5)

b. Sesuai (4)

c. Cukup sesuai (3)

d. Tidak Sesuai (2)


Jelaskan:............................................................................................................... .............................................................................................................................. 6. Menurut Bapak/ibu apakah kebijakan pemerintah di bidang moneter khususnya perkreditan sudah berpihak pada usaha sektor mikro, kecil, dan menengah (UMKM)? a. Sangat berpihak (5)

b. Sudah berpihak (4)

d. Tidak berpihak (2)

c. Belum berpihak (3)

e. Sangat tidak berpihak (1)

Jelaskan:............................................................................................................... .............................................................................................................................. D. Persepsi Standar Operasional 1. Menurut Bapak/ibu bagaimana kondisi fasilitas kredit yang disediakan oleh Bank Pemerintah khususnya PT.Bank Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam saat ini? a. Sangat baik (5)

b. Baik (4)

c. Cukup baik (3)

d. Buruk (2)

e. Sangat buruk(1)

Jelaskan:.............................................................................................................. ..............................................................................................................................


2. Menurut Bapak/ibu bagaimana kemudahan dalam memperoleh fasilitas kredit pada PT.Bank Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam? a. Sangat baik (5)

b. Baik (4)

c. Cukup baik (3)

d. Buruk (2)

e. Sangat sulit (1)

Jelaskan:............................................................................................................... ..............................................................................................................................

3. Bagaimana tanggapan Bapak/ibu mengenai lama waktu mulai dari pengajuan permohonan kredit sampai dengan pencairan kredit? a. Sangat cepat(5)

b. Cepat (4)

c. Cukup cepat (3)

d. Lambat (2)

e. Sangat lambat(1)

Jelaskan:............................................................................................................... .............................................................................................................................. 4. Menurut Bapak/ibu bagaimana hasil penilaian (apprasial) yang dilakukan oleh petugas Bank sebelum persetujuan kredit? a. Sangat baik (5)

b. Baik (4)

c. Cukup baik (3)

d. Buruk (2)

e. Sangat buruk (1)

Jelaskan:............................................................................................................... .............................................................................................................................. 5. Menurut Bapak/ibu apakah besarnya nilai jaminan telah sesuai dengan jumlah kredit yang dikeluarkan Bank? a. Sangat Sesuai (5)

b. Sesuai (4)

c. Cukup sesuai (3)

d. Tidak Sesuai (2)


Jelaskan:...............................................................................................................


.............................................................................................................................. 6. Bagaimana tanggapan Bapak/ibu terhadap besarnya biaya provisi dan administrasi kredit yang ditentukan oleh Bank dalam persyaratan kredit? a. Sangat rendah (5)

b. Rendah (4)

d. Tinggi (2)

e. Sangat tinggi (1)

c. Cukup tinggi (3)

Jelaskan:............................................................................................................... .............................................................................................................................. 7. Bagaimana pengawasan yang dilakukan oleh Bank setelah Bapak/ibu memperoleh kredit? a. Sangat baik (5)

b. Baik (4)

c. Cukup baik (3)

d. Buruk (2)

e. Sangat buruk (1)

Jelaskan:............................................................................................................... .............................................................................................................................. E. Pelayanan Kredit Bank 1. Bagaimana

dengan pelayanan Bank kepada Bapak/ibu mulai dari

pengajuan permohonan kredit hingga proses persetujuan kredit? a. Sangat baik (5)

b. Baik (4)

c. Cukup baik (3)

d. Buruk (2)

e. Sangat buruk (1)

Jelaskan:............................................................................................................... .............................................................................................................................. 2. Bagaimana pelayanan pihak bank terhadap Bapak/ibu dalam mengangsur kredit? a. Sangat baik (5)

b. Baik (4)

c. Cukup baik (3)

d. Buruk (2)

e. Sangat buruk (1)

Jelaskan:...............................................................................................................


.............................................................................................................................. 3. Bagaimana pelayananan pihak bank terhadap bapak/ibu dalam pelunasan kredit? a. Sangat baik (5)

b. Baik (4)

c. Cukup baik (3)

d. Buruk (2)

e. Sangat buruk (1)

Jelaskan:............................................................................................................... .............................................................................................................................. 4. Apakah Bapak/ibu cukup puas dengan pelayanan bank dalam hal kredit? a. Sangat puas (5)

b. Puas (4)

c. Cukup puas (3)

d. Tidak Puas (2)

e. Sangat tidak puas (1)

Jelaskan:............................................................................................................... ..............................................................................................................................


Lampiran 2. Uji Validitas Jumlah Kredit

RELIABILITY /VARIABLES=X1.1 X1.2 X1.3 X1.4 X1.5 /SCALE('ALL VARIABLES') ALL /MODEL=ALPHA /STATISTICS=DESCRIPTIVE SCALE /SUMMARY=TOTAL. Reliability Notes Output Created

18-Jul-2012 08:45:37

Comments Input

Missing Value Handling

Data

D:\BAHENSA PALAR PURBA BRI\DATA VALIDITAS.sav

Active Dataset Filter Weight Split File N of Rows in Working Data File Matrix Input Definition of Missing

DataSet1 <none> <none> <none>

Cases Used

Statistics are based on all cases with valid data for all variables in the procedure. RELIABILITY /VARIABLES=X1.1 X1.2 X1.3 X1.4 X1.5 /SCALE('ALL VARIABLES') ALL /MODEL=ALPHA /STATISTICS=DESCRIPTIVE SCALE /SUMMARY=TOTAL.

Syntax

Resources

30

User-defined missing values are treated as missing.

Processor Time

00:00:00.031

Elapsed Time

00:00:00.016


[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA VALIDITAS.sav Scale: ALL VARIABLES Case Processing Summary N Cases

Valid Excludeda Total

% 30

100.0

0

.0

30

100.0

a. Listwise deletion based on all variables in the procedure. Reliability Statistics Cronbach's Alpha

N of Items

.737

5 Item Statistics Mean

Kesesuaian plafond kredit kebutuhan Suku bunga Suku bunga dapat membantu pengembangan usaha Jangka waktu kredit Kesesuaian plafond dengan jaminan

Std. Deviation

N

4.30

.466

30

4.27

.450

30

4.37

.490

30

4.20

.551

30

4.47

.571

30


Item-Total Statistics Scale Corrected Cronbach's Scale Mean if Variance if Item-Total Alpha if Item Item Deleted Item Deleted Correlation Deleted Kesesuaian plafond kredit kebutuhan

17.30

2.217

.512

.688

Suku bunga

17.33

2.092

.654

.640

17.23

2.323

.389

.731

17.40

2.041

.508

.689

17.13

2.051

.469

.707

Suku bunga dapat membantu pengembangan usaha Jangka waktu kredit Kesesuaian plafond dengan jaminan

Scale Statistics Mean 21.60

Variance Std. Deviation N of Items 3.145

1.773

5


Lampiran 3. Uji Validitas Persepsi SOP RELIABILITY /VARIABLES=X2.1 X2.2 X2.3 X2.4 X2.5 X2.6 /SCALE('ALL VARIABLES') ALL /MODEL=ALPHA /STATISTICS=DESCRIPTIVE SCALE /SUMMARY=TOTAL. Reliability Notes Output Created

18-Jul-2012 08:55:32

Comments Input

Data

D:\BAHENSA PALAR PURBA BRI\DATA VALIDITAS.sav

Active Dataset

DataSet1

Filter

<none>

Weight

<none>

Split File

<none>

N of Rows in Working Data File

30

Matrix Input Missing Value Handling

Definition of Missing

User-defined missing values are treated as missing.

Cases Used

Statistics are based on all cases with valid data for all variables in the procedure.

Syntax

Resources

RELIABILITY /VARIABLES=X2.1 X2.2 X2.3 X2.4 X2.5 X2.6 /SCALE('ALL VARIABLES') ALL /MODEL=ALPHA /STATISTICS=DESCRIPTIVE SCALE /SUMMARY=TOTAL. Processor Time

00:00:00.047

Elapsed Time

00:00:00.031




% 30

100.0

0

.0

30

100.0


N of Items

.785


Penilaian (appraisal) petugas bank Kemudahan persyaratan Proses tidak berbeli-belit Biaya administrasi dan provisi tidak memberatkan Pengawasan penyaluran kredit cukup baik Pembinaan nasabah penerima kredit

Std. Deviation

N

4.37

.490

30

4.27 4.50

.640 .572

30 30

4.57

.504

30

4.50

.509

30

4.47

.507

30

Item-Total Statistics


Scale Corrected Cronbach's Scale Mean if Variance if Item-Total Alpha if Item Item Deleted Item Deleted Correlation Deleted Penilaian (appraisal) petugas bank Kemudahan persyaratan Proses tidak berbelibelit Biaya administrasi dan provisi tidak memberatkan Pengawasan penyaluran kredit cukup baik Pembinaan nasabah penerima kredit

22.30

4.010

.411

.780

22.40

3.490

.485

.771

22.17

3.523

.562

.746

22.10

3.403

.753

.702

22.17

3.592

.626

.732

22.20

3.959

.417

.780



2.249

6


Lampiran 4. Uji Validitas Pelayanan Kredit Bank RELIABILITY /VARIABLES=X3.1 X3.2 X3.3 X3.4 /SCALE('ALL VARIABLES') ALL /MODEL=ALPHA /STATISTICS=DESCRIPTIVE SCALE /SUMMARY=TOTAL. Reliability Notes Output Created Comments Input


Syntax

Resources

18-Jul-2012 09:11:44 Data

D:\BAHENSA PALAR PURBA BRI\DATA VALIDITAS.sav DataSet1 <none> <none> <none>

Active Dataset Filter Weight Split File N of Rows in Working 30 Data File Matrix Input Definition of Missing User-defined missing values are treated as missing. Cases Used Statistics are based on all cases with valid data for all variables in the procedure. RELIABILITY /VARIABLES=X3.1 X3.2 X3.3 X3.4 /SCALE('ALL VARIABLES') ALL /MODEL=ALPHA /STATISTICS=DESCRIPTIVE SCALE /SUMMARY=TOTAL. Processor Time Elapsed Time

00:00:00.016 00:00:00.016




% 30

100.0

0

.0

30

100.0


N of Items

.770


Pelayanan saat pengajuan kredit Pelayanan saat pembayaran cicilan Pelayanan bila terjadi keterlambatan pembayaran cicilan Pelayanan saat pelunasan kredit

Std. Deviation

N

4.33

.606

30

4.33

.479

30

4.60

.498

30

4.67

.479

30

Item-Total Statistics


Scale Corrected Cronbach's Scale Mean if Variance if Item-Total Alpha if Item Item Deleted Item Deleted Correlation Deleted Pelayanan saat pengajuan kredit Pelayanan saat pembayaran cicilan Pelayanan bila terjadi keterlambatan pembayaran cicilan Pelayanan saat pelunasan kredit

13.60

1.490

.466

.787

13.60

1.697

.497

.752

13.33

1.471

.685

.656

13.27

1.513

.682

.661



1.596

4


Lampiran 5. Uji Validitas Permintaan Kredit RELIABILITY /VARIABLES=Y1.1 Y1.2 Y1.3 Y1.4 /SCALE('ALL VARIABLES') ALL /MODEL=ALPHA /STATISTICS=DESCRIPTIVE SCALE /SUMMARY=TOTAL. Reliability Notes Output Created Comments Input


Syntax

Resources

18-Jul-2012 09:27:56 Data

D:\BAHENSA PALAR PURBA BRI\DATA VALIDITAS.sav DataSet1 <none> <none> <none>

Active Dataset Filter Weight Split File N of Rows in Working 30 Data File Matrix Input Definition of Missing User-defined missing values are treated as missing. Cases Used Statistics are based on all cases with valid data for all variables in the procedure. RELIABILITY /VARIABLES=Y1.1 Y1.2 Y1.3 Y1.4 /SCALE('ALL VARIABLES') ALL /MODEL=ALPHA /STATISTICS=DESCRIPTIVE SCALE /SUMMARY=TOTAL. Processor Time Elapsed Time

00:00:00.015 00:00:00.015

[DataSet1] D:\JOHN R.SIHITE\BAHENSA PALAR PURBA BRI\DATA VALI DITAS.sav


Scale: ALL VARIABLES Case Processing Summary N Cases


% 30

100.0

0

.0

30

100.0


N of Items

.806


Std. Deviation

N

Merasa puas akan jumlah kredit yang diterima

4.47

.507

30

Merasa puas dengan jaminan yang diserahkan

4.37

.490

30

Merasa puas menjadi mitra BRI

4.40

.498

30

Berniat mengajukan kredit kembali bila ada kebutuhan pembiayaan

4.40

.498

30


Item-Total Statistics Scale Corrected Cronbach's Scale Mean if Variance if Item-Total Alpha if Item Item Deleted Item Deleted Correlation Deleted Merasa puas akan jumlah kredit yang diterima Merasa puas dengan jaminan yang diserahkan Merasa puas menjadi mitra BRI Berniat mengajukan kredit kembali bila ada kebutuhan pembiayaan

13.17

1.730

.396

.861

13.27

1.375

.784

.677

13.23

1.289

.866

.632

13.23

1.633

.498

.815



1.586

4


Lampiran 6. Hasil Kolmogorov-Smirnov NPAR TESTS /K-S(NORMAL)=RES_1 /MISSING ANALYSIS. NPar Tests [DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA REGRESI.sav One-Sample Kolmogorov-Smirnov Test Unstandardiz ed Residual N Normal Parameters

78 a

Mean Std. Deviation

Most Extreme Differences

.0000000 .45405088

Absolute

.142

Positive

.063

Negative

-.142

Kolmogorov-Smirnov Z Asymp. Sig. (2-tailed)

1.251 .088

a. Test distribution is Normal.


Lampiran 7. Uji Heteroskedastisitas REGRESSION /MISSING LISTWISE /STATISTICS COEFF OUTS R ANOVA /CRITERIA=PIN(.05) POUT(.10) /NOORIGIN /DEPENDENT absolut /METHOD=ENTER X1 X2 X3 /SAVE RESID. Regression Notes Output Created Comments Input

18-Jul-2012 12:32:08 Data

Active Dataset Filter Weight Split File N of Rows in Working Data File Missing Value Handling Definition of Missing Cases Used

Syntax

Resources

Processor Time Elapsed Time Memory Required Additional Memory Required for Residual Plots

D:\BAHENSA PALAR PURBA BRI\DATA REGRESI.sav DataSet1 <none> <none> <none> 91 User-defined missing values are treated as missing. Statistics are based on cases with no missing values for any variable used. REGRESSION /MISSING LISTWISE /STATISTICS COEFF OUTS R ANOVA /CRITERIA=PIN(.05) POUT(.10) /NOORIGIN /DEPENDENT absolut /METHOD=ENTER X1 X2 X3 /SAVE RESID. 00:00:00.015 00:00:00.907 1988 bytes 0 bytes


Notes Output Created Comments Input

18-Jul-2012 12:32:08 Data


Syntax

Resources

Variables Created or Modified

Processor Time Elapsed Time Memory Required Additional Memory Required for Residual Plots RES_2

D:\BAHENSA PALAR PURBA BRI\DATA REGRESI.sav DataSet1 <none> <none> <none> 91 User-defined missing values are treated as missing. Statistics are based on cases with no missing values for any variable used. REGRESSION /MISSING LISTWISE /STATISTICS COEFF OUTS R ANOVA /CRITERIA=PIN(.05) POUT(.10) /NOORIGIN /DEPENDENT absolut /METHOD=ENTER X1 X2 X3 /SAVE RESID. 00:00:00.015 00:00:00.907 1988 bytes 0 bytes Unstandardized Residual

[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA REGRESI.sav Variables Entered/Removedb Model 1

Variables Entered Pelayanan Kredit, Persepsi SOP, Jumlah Kredita

Variables Removed

Method . Enter


Variables Entered/Removedb Model

Variables Entered

Variables Removed

Pelayanan Kredit, Persepsi SOP, Jumlah Kredita a. All requested variables entered. b. Dependent Variable: absolute

Method

1

. Enter


Model Summaryb Model

R

Adjusted R Square

R Square

Std. Error of the Estimate

1 .141a .020 -.020 .30439 a. Predictors: (Constant), Pelayanan Kredit, Persepsi SOP, Jumlah Kredit b. Dependent Variable: absolute ANOVAb Model 1

Sum of Squares Regression Residual

Mean Square

df

.139

3

6.856

74

F

Sig.

.046 .501 .683a .093

Total 6.996 77 a. Predictors: (Constant), Pelayanan Kredit, Persepsi SOP, Jumlah Kredit b. Dependent Variable: absolute Coefficientsa Unstandardized Coefficients Model 1

B (Constant)

Standardized Coefficients

Std. Error

Beta

t

Sig.

.046

1.008

.045 .964

Jumlah Kredit

-.020

.032

-.074 -.621 .536

Persepsi SOP

.004

.029

.016 .138 .890

.036

.032

.133

Pelayanan Kredit a. Dependent Variable: absolute

1.11 .267 8

Residuals Statisticsa Minimum Maximum Mean Std. Deviation Predicted Value Residual

.2539 -.36764

.4405

N

.3374

.04253

78

1.17232 .00000

.29840

78

Std. Predicted Value

-1.964

2.425

.000

1.000

78

Std. Residual

-1.208

3.851

.000

.980

78

a. Dependent Variable: absolute


Lampiran 8. Hasil Regresi Linier REGRESSION /DESCRIPTIVES MEAN STDDEV CORR SIG N /MISSING LISTWISE /STATISTICS COEFF OUTS R ANOVA COLLIN TOL CHANGE ZPP /CRITERIA=PIN(.05) POUT(.10) /NOORIGIN /DEPENDENT Y /METHOD=ENTER X1 X2 X3 /SCATTERPLOT=(*SRESID ,*ZPRED) /RESIDUALS DURBIN HIST(ZRESID) NORM(ZRESID). Regression Notes Output Created Comments Input

18-Jul-2012 11:34:52 Data


D:\BAHENSA PALAR PURBA BRI\DATA REGRESI.sav DataSet1 <none> <none> <none> 91 User-defined missing values are treated as missing. Statistics are based on cases with no missing values for any variable used.


Syntax

Resources

REGRESSION /DESCRIPTIVES MEAN STDDEV CORR SIG N /MISSING LISTWISE /STATISTICS COEFF OUTS R ANOVA COLLIN TOL CHANGE ZPP /CRITERIA=PIN(.05) POUT(.10) /NOORIGIN /DEPENDENT Y /METHOD=ENTER X1 X2 X3 /SCATTERPLOT=(*SRESID ,*ZPRED) /RESIDUALS DURBIN HIST(ZRESID) NORM(ZRESID). Processor Time Elapsed Time Memory Required Additional Memory Required for Residual Plots

00:00:01.344 00:00:02.359 1948 bytes 896 bytes

[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA REGRESI.sav


Descriptive Statistics Mean Permintaan Kredit Jumlah Kredit Persepsi SOP Pelayanan Kredit

Std. Deviation

18.35 22.90 27.24 17.81

N

.895 1.123 1.250 1.117

78 78 78 78

Correlations Permintaan Kredit Pearson Correlation

Sig. (1-tailed)

N

Permintaan Kredit

Jumlah Kredit

Persepsi SOP

Pelayanan Kredit

1.000

.462

.318

.543

Jumlah Kredit

.462

1.000

.184

.191

Persepsi SOP

.318

.184

1.000

.183

Pelayanan Kredit Permintaan Kredit Jumlah Kredit Persepsi SOP Pelayanan Kredit Permintaan Kredit Jumlah Kredit Persepsi SOP Pelayanan Kredit

.543

.191

.183

1.000

.

.000

.002

.000

.000 .002 .000

. .053 .047

.053 . .055

.047 .055 .

78

78

78

78

78 78 78

78 78 78

78 78 78

78 78 78

Variables Entered/Removedb Model

Variables Entered

Variables Removed

Method

1

Pelayanan Kredit, . Enter Persepsi SOP, Jumlah Kredita a. All requested variables entered. b. Dependent Variable: Permintaan Kredit Model Summaryb Mod R

R

Adjusted Std. Error

Change Statistics

Durbin


el

Squar R Square e

1

.862 a

.743

of the Estimate

.732

R F Sig. F Square Chang df df Chan Watso Change e 1 2 ge n

.463

.743 71.135

3 74

.000 1.829

a. Predictors: (Constant), Pelayanan Kredit, Persepsi SOP, Jumlah Kredit b. Dependent Variable: Permintaan Kredit

ANOVAb Sum of Squares

Model 1

Mean Square

df

Regression

45.779

3

Residual

15.874

74

F

Sig.

15.260 71.135

.000a

.215

Total 61.654 77 a. Predictors: (Constant), Pelayanan Kredit, Persepsi SOP, Jumlah Kredit b. Dependent Variable: Permintaan Kredit Coefficientsa Standardi zed Unstandardize Coefficie d Coefficients nts Model 1

(Constant)

B

Std. Error

Beta

11.91 1.534 9

Correlations t

Collinearity Statistics

Zero- Parti Tolera Sig. order al Part nce VIF

7.76 .000 9

Jumlah Kredit

.425

.048

.533

8.76 .000 3

.462 .714 .517

.940

1.0 63

Persepsi SOP

.250

.043

.350

5.75 .000 5

.318 .556 .339

.943

1.0 60

.049

.709

11.6 .000 56

.543 .805 .688

.941

1.0 63

Pelayanan .568 Kredit a. Dependent Variable: Permintaan Kredit

Collinearity Diagnosticsa Mode Dime Eigenval Condition

Variance Proportions


l

nsion

ue

Index

(Constan t)

Jumlah Kredit

1

1

3.995

1.000

.00

.00

.00

.00

2

.003

37.616

.01

.10

.07

.95

3

.002

46.854

.00

.64

.50

.00

.26

.43

.04

4 .001 68.818 .98 a. Dependent Variable: Permintaan Kredit Residuals Statisticsa Minimu m Maximum Mean Predicted Value 16.55 20.03 Std. Predicted Value 2.326 2.183 Standard Error of .055 .165 Predicted Value Adjusted Predicted 16.51 20.03 Value Residual 1.462 1.070 Std. Residual 3.157 2.309 Stud. Residual 3.223 2.370 Deleted Residual 1.524 1.126 Stud. Deleted Residual 3.453 2.449 Mahal. Distance .092 8.840 Cook's Distance .000 .111 Centered Leverage .001 .115 Value a. Dependent Variable: Permintaan Kredit

Persepsi SOP

Std. Deviation

Pelayanan Kredit

N

18.35 .000

.771 1.000

78 78

.101

.028

78

18.35

.770

78

.000 .000 .001 .001 .002 2.962 .012

.454 .980 1.003 .476 1.025 2.140 .021

78 78 78 78 78 78 78

.038

.028

78

Charts



Data Penelitian


Lanjutan


Lanjutan


ANALISIS PENGARUH KEBIJAKAN PERKREDITAN TERHADAP TINGKAT PERMINTAAN KREDIT PADA BANK BUMN DI SUMATERA UTARA

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