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All Journal International Journal of Integrative Sciences
Husnul Khotimah
STIE Syariah Bengkalis
Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Industrial & Manufacturing Engineering Social Sciences

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Determinants of Uncharacteristic Loans in Savings and Loan Units Menara Desa Pematang Duku (USP) Muhammad Isa Selamat; Khodijah Ishak; Husnul Khotimah
International Journal of Integrative Sciences Vol. 2 No. 8 (2023): August 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijis.v2i8.5688

Abstract

This study aims to determine the determinants of Bad Credit in the Savings and Loan Unit (USP) from an Islamic Economic Perspective from the Character, Economic Conditions and Ability to Manage Credit to the Savings and Loans Unit (USP). This is a bad credit study in the Savings and Loans Unit (USP) which was then analyzed using SPSS 23 software. As for the normality test, it was obtained 0.122 > 0.05. From these results it can be seen that it is normally distributed. In the multiple linear regression test, the character has a significant effect on bad loans of 0.872> 0.05 with tcount < ttable -0.163 < 2.073, economic conditions have a significant effect on bad loans of 0.001 <0.05 with tcount < ttable -3.844 < 2.073, the ability to manage credit has a significant effect on bad loans of 0.665 <0.05 with tcount <ttable -0.439 <2.073. From the coefficient of determination test, it is found that the influence of character (X1), economic conditions (X2), and ability to manage credit (X3) on bad loans (Y) is 46.0% and the remaining 54.0% is influenced by other variables such as credit term, natural disasters, credit supervision, and others
Co-Authors Khodijah Ishak Muhammad Isa Selamat