Analisis Faktor Penyebab Terjadinya Kredit Macet
Abstract
This research aims to know the influence of debtors i.e. character of debtor, capacity, condition of economy, and collateral of debtor against non performing loans at PT Bank Tabungan Negara Cabang Bontang. This research was conducted in Bontang City. The methods used in this research was field survey by using questionnaire to 32 respondents in troubled debtor status. Sampling using cencus method. Data were analyzed by using multiple linear regression in statistical analysis with the help of the program SPSS ver. 20. Results of research conducted indicates that the variable character (X1) have significant and negative effect on non performing loans (Y), capacity (X2) have non significant and negative effect on non performing loans (Y), the variable condition of economy (X3) have non significant and negative effect on non performing loans (Y), and variable collateral (X4) have non significant and negative effect on non performing loans (Y).
Keywords: non performing loan
Full Text:
PDFReferences
Armana, Made Revi. 2015. Analisis Faktor-Faktor Penyebab Terjadinya Kredit Macet pada Lembaga Perkreditan Desa (LPD) di Kabupaten Buleleng. Singaraja: Program S1 Fakultas Ekonomi Universitas Pendidikan Ganesha. (http://ejournal.undiksha.ac.id/index.php/S1ak/article/viewFile/4687/3575, diakeses pada November 2016)
Febrianti, Sitti Rahmah. 2015. Analisis Faktor-Faktor yang Mempengaruhi Kredit Bermasalah di PT. Bank Rakyat Indonesia (Persero) Tbk. Cabang Sengkang. Makassar: Program S1 Fakultas Ekonomi dan Bisnis Universitas Hasanuddin.
Hafiwidjaja, dan Wirasasmita, Rivai. 2007. Analisis Kredit. Bandung: CV. Pionir Jaya Bandung.
Hariyani, Iswi. 2008. Hapus Buku & Hapus Tagih.Surabaya: PT. Bina Ilmu Offset.
Harmono. 2014. Manajemen Keuangan Berbasis Balanced Scorecard, Edisi
Pertama, CetakanKetiga. Bumi Aksara: Jakarta.
Kasmir. 2013. Bank dan Lembaga Keuangan Lainnya. Jakarta: PT. Rajagrafindo Persada.
Mukhsinati, Sari. 2011. Analisis Faktor-Faktor Penyebab Terjadinya Kredit Macet pada Bank “X” di Kabupaten Jember. Jember: Program S1 Fakultas Ekonomi Universitas Jember. (http://repository.unej.ac.id/bitstream/handle/123456789/5680/Sari%20Mukhsinati.pdf?sequence=1 diakses pada Agustus 2016)
Mulyawan, Setia. 2015. Manajemen Keuangan, Cetakan Pertama. Pustaka Setia:
Bandung.
Priyatno Duwi. 2010. Paham Analisa Statistik Data dengan SPSS. Cetakan Pertama. Yogyakarta: Mediakom.
Siamat, Dahlan. 2001. Manajemen Lembaga Keuangan. Jakarta: Lembaga Penerbit Fakultas Ekonomi Universitas Indonesia.
Sutarno. 2004. Aspek-aspek Hukum Perkreditan pada Bank. Bandung: CV. Alfabeta.
Sutrisno. 2012. Manajemen Keuangan Teori Konsep & Aplikasi, Cetakan
Kedelapan. EKONISIA: Yogyakarta.
Untung, Thamrin. 2005. Kredit Perbankan di Indonesia. Yogyakarta: Penerbit Andi.
DOI: https://doi.org/10.30872/jfor.v19i1.2109
Refbacks
- There are currently no refbacks.
Copyright (c) 2017 Andi Nursyahriana, Michael Hadjat, Irsan Tricahyadinata
Editorial Address
FORUM EKONOMI: Jurnal Ekonomi, Manajemen dan Akuntansi
Faculty of Economics and Business, Mulawarman University
Jl. Tanah Grogot No.1 Samarinda Kalimantan Timur 75119
Email: jakt.feb.unmul@gmail.com
StatCounter: FORUM EKONOMI: Jurnal Ekonomi, Manajemen dan Akuntansi