Analisis Faktor-faktor yang Mempengaruhi Realisasi Kredit yang di Salurkan Terhadap UKM oleh PT. BPR Hombar Makmur Perbaungan, Kec. Sergai
The aim of this study was to analyze the factors that affect the realization of loans extended to the PT. BPR Hombar Perbaungan Makmur. Variables used are tingkai interest rates, large collateral / collateral and third party funds. Data used in this research is time series data from the years 1990 to 2008. The analytical method used was Ordinary Least Square (OLS).Estimation results show that the coefficient of determination equal to 75.2%. This means that interest rates, large collateral / collateral and third party funds affect the amount of loans extended by PT. BPR Hombar Mamkur Perbaungan of 75.2%. Meanwhile, the remaining 24.8% is explained by other variables not included in the estimation model. F-stat> F-table (26.2996> 4.57), this means that interest rates, large collateral / collateral and third party funds jointly affect the realization of loans extended by PT. BPR Hombar Makmur significant Perbaungan α 1%. Variable interest rate, number of collateral and third party funds (TPF) to significantly affect the total demand of SME loans disbursed ODA in Perbaungan Hombar Makmur. The result indicates that the t-stat while the interest rate is -0.46 t-stat total collateral is 3.25 and t-stat is 2.78 DPK 99% confidence level.
Year of publication: |
2010-08-13
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Authors: | Manurung, Lenika |
Other Persons: | Fauji, Syarif (contributor) |
Subject: | Suku Bunga | Jumlah Agunan | Dana Pihak Ketiga (DPK) | Jumlah Permintaan Kredit UKM |
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