FAKTOR-FAKTOR YANG MEMPENGARUHI KREDIT MACET PADA USAHA EKONOMI DESA-SIMPAN PINJAM (UED-SP) USAHA BERSAMA SITORAJO KARI KECAMATAN KUANTAN TENGAH KABUPATEN KUANTAN SINGINGI

Abstract

The purpose of this research is to examine the affect of debtor characters, loan term, financial management, loan interest rates, and collateral on bad debt at thevillage economic business -saving and loans (UED-SP)) joint venture Sitorajo Kari Kuantan Tengah District Kuantan Singingi Regency. The data of this study were obtained from questionnaire (primary) data. The population in this study was 54 people consisting of 49 bad debt debtors from 2015-2017 and 5 employees of UED-SP Joint Venture Sitorajo Kari in 2019. The purposive sampling method obtained 32 samples. This study uses a quantitative approach. The analysis used is multiple linear regression analysis, with the t test and coefficient of determination. The test results show that, first, the influence of the debtor character has a significant positive effect on bad debt of 0,274. Second, the loan period has a significant positive effect on bad debt of 0,525. Third, financial management has no significant effect on bad debt of 0,035. Fourth, the loan interest rate has a significant positive effect on bad credit of 0,300. Fifth, collateral has a significant positive effect on bad debt of 0,202. Determined coefficient of 0,714 or equal to 71,4%, which means the magnitude of the influence of the character of the debtor, loan term, financial management, loan interest rates and collateral on bad debt is 71,4% while the remaining 28,6% is explained by factors other factors that come from outside the regression that were not examined in this study.