<![CDATA[Risk of non-performing loans is one of the risks faced by rural banks as one type of micro-bank financial institutions. Rural Banks should have risk control system to minimize the possibility of a credit crunch. This paper has the purpose of estimating the factors that affect a credit crunch in BPR XYZ. The model was built estimated by logistic regression. There are two models to be estimated. Model One is the complete model, while Model Two is a simple model. Model two independent variables are the result of extraction from unrestricted variable Model One using factor analysis. The results show that the probability of nonperforming loans in BPR XYZ is influenced by the predictor credit interest, the ratio of collateral and credit, the level of risk of collateral types and levels of risk customer groups]]>
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