This study aims to determine whether there is any difference in the bank´s credit risk
BPR-BKK Karangreja PurbalinggaDitinjau of interest rate differentials credit and credit
guarantees. Data collection techniques used were interviews and documentation. Data analysis
techniques used to answer the first problem is to analyze the differences between the two
average, which is to analyze whether there are differences in credit risk viewed from different
interest rates. While the data analysis techniques used to answer the second problem is by using
analysis of variance, which tested whether there are differences in credit risk viewed from a
different warranty.
Based on the results of data analysis can be concluded that there are differences in credit
risk viewed from different interest rates. Meanwhile, to guarantee there is no difference seen the
credit risk of loan collateral types PD.BPR Karangreja Purbalingga-BKK. From data analysis it
can be seen there is no difference between the credit risk of loans with collateral BPKB, land
certificates, and SK. PNS.
Key words: credit risk, interest rate, credit guarantees.
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