Journal of Business and Management
Vol 7, No 3 (2018)

ANALYSING THE DETERMINANTS OF ARREARS RATE IN SHARIA MICROFINANCE: CASE STUDY OF BAITUT TAMWIL TAMZIS

Ar Rasyid, Muammar Farras (Unknown)
Faturohman, Taufik (Unknown)



Article Info

Publish Date
29 Oct 2018

Abstract

Abstract. This research has purpose to determine is there any statistically significant relationship between some factors of financing (plafon, tenor, main installment, purpose of financing, installment pattern, domain) and arrears rate. The methods used is multi-linear regression and logistic regression. This research uses two methods because the dependent variable could interpreted into two ways, which are continuous and binary. The data used is secondary data from Baitut Tamwil Tamzis database. The data used is financing data that has maximum plafon on Rp10,000,000.00. It consist of independent variable: plafon, tenor, and main installment, domain, purpose of financing, installment pattern. For the dependent variable used is the arrears. The ar rears is categorized into four risk index categories. After performed the multi-linear regression, the variables that have statistically significant relationship are productive financing, Cijerah, and monthly pattern, and after performed the logistic regression, there is one more variable that has statistically significant relationship, which is main installment.Keywords: Arrears, Baitut Tamwil, Determinants, multi-linear regression, logistic regressionz

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Journal Info

Abbrev

jbm

Publisher

Subject

Decision Sciences, Operations Research & Management

Description

Journal of Business and Management (JBM)is an online journal that is published three times a year. It publishes research papers that give rigorous theoretical and practical insight of business and managament. JBM aims to provide a forum for the dissemination of theory application and research in all ...