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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENGAMBILAN KREDIT OLEH PELAKU USAHA KECIL MENENGAH PADA DEBITUR BANK PERKREDITAN RAKYAT KOTA BATAM Efriyenty, Dian; E Janrosl, Viola Syukrina
Aksara Public Vol 1 No 3 (2017): Agustus (2017)
Publisher : EDUTECH CONSULTANT

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Abstract

This study aims to determine the effect of interest rate, collateral, nominal credit and banking services to decision-making credit by small businesses on the debtor BPR medium in Batam from year 2012 to 2016. The sampling method used this research is non probability sampling with purposive sampling. The sample in this study is small and medium enterprises BPR borrowers in Batam which totaled 86. The results of the test F interest rates, guarantees, loans and bank services nominal influence on decision-making loans. The results of the t test and the nominal interest rate loans significantly influence the decision-making loans. While guarantees and bank services does not affect the decision-making due credit loan capital known to the public with no hard collateral requirements. So also in terms of service, communication and administration at BPR lack of providing information to the debtor UKM quick and responsive in addressing complaints of UKM.
ANALISIS PENGARUH ASET, JAMINAN DAN SUKU BUNGA PINJAMAN PERBANKAN TERHADAP KEPUTUSAN KREDIT PARA PELAKU UMKM KECAMATAN SEKUPANG BATAM E Janrosl, Viola Syukrina
Aksara Public Vol 1 No 4 (2017): November (2017)
Publisher : EDUTECH CONSULTANT

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Abstract This study aims to analyze the influence of assets, guarantees and lending rates on credit decisions perpetrators of SMEs Sekupang Batam District. Sampling method used is non probability sampling method by purposive sampling. The sample in this study is the perpetrator of MSME Sekupang District amounting to 96 who take credit in Commercial Banks and Rural Banks. The result of the t test shows that the asset and the interest rate affect the credit decision while the guarantee does not affect the credit decision. This is because the perpetrators of SMEs, especially in the District Sekupang Batam on average do not have a grant that has been used as a requirement in Commercial Banks and Bank Perkreditan Rakyat. Such as vehicles in the form of BPKB cars that can be made in Grade Perkreditan Rakyat is for 1998 and Bank 2015 and above. The results of the F test Assets, Guarantee and Interest Rates Banking loans affect the credit decisions of the perpetrators of SMEs Sekupang Batam District.