Influencing Factors of Credit Decision on Heavy Equipment Financing: Study at PT Caterpillar Finance Indonesia

Nadine Kallya Putri (Bina Nusantara University)
Tinjung Desy Nursanti (Bina Nusantara University)

Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking)
Vol. 9 No. 1 (2023): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and B

This study aims to determine how character, capacity, capital, collateral, conditions affect credit decisions at PT Caterpillar Finance Indonesia. The population in this study is 300 Credit Write Up. The analytical technique used is multiple regression. For the classical assumption test, the normality test, multicollinearity test, and heteroscedasticity test are used. The results showed that Character, Capacity, Capital, Collateral, Conditions had an effect on Credit Decision. The predictive ability of the five variables on Credit Decisions is that 74.2% Credit Decisions are influenced by the variables of Character, Capacity, Collateral, Condition and Capital and 25.8% is influenced by other variables.