Authors:

Kadek Agung Krisdian Mahendra, I Made Dedy Priyanto

Abstract:

“ABSTRAK Penelitian ini bertujuan untuk menguji pengaruh karakter debitur, kemampuan manajerial debitur, jaminan debitur, suku bunga, dan modal debitur terhadap kredit macet di KSP Kerta Yasa Mandiri. Penelitian ini merupakan jenis penelitian hukum empiris yang bersifat deskriptif. Seluruh nasabah kredit pribadi non konsumer hingga 200 di KSP Kerta Yasa Mandiri dalam penelitian ini menjadi populasi penelitian. Teknik probabilitas sampling digunakan untuk mendapatkan sampel dari populasi sebanyak 133 sampel. Data dikumpulkan menggunakan kuesioner, wawancara dan dokumen. Teknik analisis berupa teknik analisis regresi logistik. Simpulan penelitian yaitu karakteristik variabel debitur berpengaruh negatif terhadap kredit macet, sedangkan variabel kemampuan pengelolaan debitur, jaminan debitur, suku bunga dan modal debitur tidak memiliki pengaruh pada kredit macet. Kata kunci: faktor-faktor, kredit macet, debitur ABSTRACT The study aims to test the influence of debtor character, debtor managerial ability, debtor guarantee, interest rate, and debtor capital on bad credit in KSP Kerta Yasa Mandiri. This research is a descriptive empirical legal research type. All non-consumer personal credit customers up to 200 in KSP Kerta Yasa Mandiri in this study became the research population. Sampling probability techniques were used to obtain samples from a population of 133 samples. The data was collected using questionnaires, interviews and documents. Analysis techniques in the form of logistics regression analysis techniques. The conclusion of the study is that the characteristics of the debtor variable negatively affect bad loans, while the variable ability of debtor management, debtor guarantee, interest rate and debtor’s capital have no influence on bad credit. Keywords: factors, bad credit, debtors”

Keywords

faktor-faktor, kredit macet, debitur ABSTRACT The study aims to test the influence of debtor character, debtor managerial ability, debtor guarantee, interest rate, and debtor capital on bad credit in KSP Kerta Yasa Mandiri. This research is a descriptive empirical legal research type. All non-consumer personal credit customers up to 200 in KSP Kerta Yasa Mandiri in this study became the research population. Sampling probability techniques were used to obtain samples from a population of 133 samples. The data was collected using questionnaires, interviews and documents. Analysis techniques in the form of logistics regression analysis techniques. The conclusion of the study is that the characteristics of the debtor variable negatively affect bad loans, while the variable ability of debtor management, debtor guarantee, interest rate and debtor’s capital have no influence on bad credit. Keywords: factors, bad credit, debtors

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PDF:

https://jurnal.harianregional.com/kerthanegara/full-71184

Published

2021-11-09

How To Cite

KRISDIAN MAHENDRA, Kadek Agung; DEDY PRIYANTO, I Made. Analisis Faktor-Faktor yang Mempengaruhi Kredit Macet pada Koperasi Simpan Pinjam Kerta Yasa Mandiri.Kertha Negara : Journal Ilmu Hukum, [S.l.], v. 9, n. 5, p. 378-386, may 2021. Available at: https://jurnal.harianregional.com/kerthanegara/id-71184. Date accessed: 08 Jul. 2024.

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Issue

Vol 9 No 5 (2021)

Section

Articles

Creative Commons License This work is licensed under a Creative Commons Attribution 4.0 International License