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All Journal Jurnal Teknik Industri Terintegrasi (JUTIN) Sharing: Journal Of Islamic Economics, Management And Business Journal of Economic, Management, Business, Accounting Sustainability Journal Of Community Sustainability Multidisciplinary Journal of Religion and Social Sciences (MJRS) JPS (Jurnal Perbankan Syariah)
Merry Meilany
Institut Agama Islam Edi Haryono Madani, Kandis, Siak, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mechanical Engineering Social Sciences Other

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Pengaruh “Five C”S Of Kredit Terhadap Pengambilan Keputusan Kredit Tanpa Agunan (KTA) Merry Meilany
Sharing: Journal of Islamic Economics Management and Business Vol. 3 No. 1 (2024): Juni 2024
Publisher : Program Studi Ekonomi Syariah Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sharing.v3i1.23913

Abstract

The aim of this research is to analyze the effect of applying the 5C principles on decision making for credit without collateral (KTA) at PT. BPR Anugerah Bintang Sejaterah Pekanbaru. This research uses a quantitative approach with data collection techniques, namely literature study, field study, interviews, observation, documentation and questionnaires. Meanwhile, the data analysis technique uses multiple regression analysis. A). Character (X1): With tcount 3.796 greater than ttable 2.65 with a significance level of 0.000 smaller than 0.05. So H0 is accepted and Ha is accepted, meaning that the Character variable influences credit decision making. B). Capacity (X2): With tcount -0.013 smaller than ttable 2.65 with a significance level of 0.990 greater than 0.05. So H0 is rejected and Ha is rejected, meaning that the Capacity variable has no effect on credit decision making. C). Capital (X3): With tcount 1.502 smaller than ttable 2.65 with a significance level of 0.139 greater than 0.05. So H0 is rejected and Ha is rejected, meaning that the Capital variable has no effect on credit decision making. D). Collateral (X4): With tcount -1.953 smaller than ttable 2.65 with a significance level of 0.056 greater than 0.05. So H0 is rejected and Ha is rejected, meaning that the Collateral variable has no effect on credit decision making. E). Condition (X5): With tcount 2.120 smaller than ttable 2.65 with a significance level of 0.038 smaller than 0.05. So H0 is rejected and Ha is accepted, meaning that the Condition variable has no effect on credit decision making.
Co-Authors Diany Mairiza Harahap, Ahmad Muda Heni Pujiastuti Mohd. Winario Muhammad Hafiz Nilam Erman Simbolon, Muhammad Iran