ANALISIS FAKTOR – FAKTOR YANG MEMPENGARUHI KREDIT MACET DANA BERGULIR DI PNPM MANDIRI PERDESAAN KECAMATAN GUNTUR KABUPATEN DEMAK
Abstract
Penelitian ini bertujuan untuk mengetahui pengareuh karakter nasabah terhadap kredit macet, pengaruh jangka waktu pinjaman terhadap kredit macet dan pengaruh kemampuan mengelola kredit terhadap kredit macet.
Populasi penelitian ini adalah seluruh nasabah yang mempunyai pinjaman macet di PNPM Mandiri Perdesaan Kecamatan Guntur Kabupaten Demak.Sampel dalam penelitian ini ditetapkan dengan rumus Yamane diperoleh jumlah sebesar 78 orang nasabah dan tehnik pengambilan sampel dilakukan dengan metode purposive sampling dengan kriteria nasabah yang memiliki tunggakan terbesar sampai pada urutan 78. Pengumpulan data dilakukan dengan metode angket dengan menyebar kuesioner dan wawancara.analisis data penelitian ini dilakukan dengan analisis regresi linier dengan menggunakan program SPSS 17
Hasil Penelitian menemukan bahwa pengaruh karakter nasabah teerhadap kredit macet adalah negatif dan signifikan ssehingga hipotesa 1 yaitu karakter nasabah berpengaruh negatif dan signifikan terhadap kredit macet terbukti.Pengaruh jangka waktu pinjaman terhadap kredit macet adalah negatif dan signifikan sehingga hipotesa 2 penelitian ini yaitu jangka waktu pinjaman berpengaruh negatif dan signifikan terhadap kredit macet terbukti.Pengaruh kemampuan mengelola kredit berpengaruh negatif dan signifikan sehingga hipotesa 3 penelitian ini yaitu kemampuan mengelola kredit berpengaruh negatif dan signifikan terhadap kredit macet terbukti. Nilai koefisien regresi ini semuanya negatif yang artinya semakin tinggi nilai karakter nasabah,jangka waktui pinjaman,dan kemampuan mengelola kredit maka nilai kredit macet akan semakin rendah/menurun
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