ANALISIS PENYEBAB MACETNYA PINJAMAN KONSUMEN PADA KOPERASI ASKES (KOPKARKES) LAMPUNG KECAMATAN KEMILING BANDAR LAMPUNG TAHUN 2015

Narulita, Sari

Lentera: Jurnal Ilmiah Kependidikan
Vol 2 (2016): Lentera

The employees cooperative of Askes Lampung is a branch under the supervision of credit and saving of PT.ASKES which is located in Bandar Lampung. The problems encountered in this company is to know the cause of the breakdown of consumer loans Employees Cooperative Askes Lampung by analyzing the financial statements of loans in 2015. This may be due to various factors or deliberate consumers. So the author takes the title "Cause Analysis logjam Consumer Loans Health Insurance Cooperative (Kopkarkes) Kemiling Bandar Lampung 2015".Therefore, the problem formulated in this study is what is the cause of the breakdown of consumer loans in the cooperative health insurance (kopkarkes) Kemiling Bandar Lampung 2015. So as for the purpose of this study was to investigate and analyze the causes of the breakdown of consumer loans in the Cooperative Employee Health Insurance (Kopkarkes) Lampung Kemiling Bandar Lampung in 2015.The method the writer used in this research is descriptive quantitative method. The data is a number obtained using the technique of questionnaires, interviews and observation. Test the validity of the questionnaire the breakdown of consumer loans using Product Moment Correlation formula by correlating r and r tab hit taken from the significant level of 5% to df = n-2 = 30-2 = 28, r tab in this case is 0.361. Test questionnaire measuring the breakdown of the loan using the formula 0.90 Alpha to the result that quite often.Thus, it can be concluded that the breakdown of consumer loans in the Cooperative Employee Health Insurance (Kopkarkes) Lampung in 2015 rated almost all consumer cooperatives are often late in paying back the loans. Timeliness in the payment of the loan is one very important factor for the increase in income for all consumers in an Employee Cooperative Health Insurance (Kopkarkes) Lampung. So as to increase earnings for the prosperity along to the loan payments on time, ie in particular through the analysis of a history of the borrower carefully and do not just look at the factors collateral.