The problem discussed in this research is how the influence of character and collateralinfluences the smoothness of credit at BMT Muhammadiyah Cilacap. The sample of thisstudy is 100 people. The research method with quantitative descriptive statisticalapproach with the type of explanatory research. The results showed that characters andcollateral significantly influence the smoothness of credit, while the characters havedominant influence over collateral.Keywords: Character, Collateral
                        
                        
                        
                        
                            
                                Copyrights © 2017