التفاصيل البيبلوغرافية
| العنوان: |
Analysis of Factors Affecting Non Performing Loan on Cooperation. |
| المؤلفون: |
Andik Dwi Sakti, Indah Anisykurlillah |
| المصدر: |
Accounting Analysis Journal (AAJ); Nov2017, Vol. 6 Issue 3, p432-444, 13p |
| مصطلحات موضوعية: |
LOAN reimbursement, NONPERFORMING loans, ISLAMIC finance, COMMERCIAL credit, FINANCING of cooperative societies |
| Abstract (English): |
This study aims to obtain empirical evidence about the effect of character, capacity, capital, collateral, condition, loan term, loan repayment rate on non-performing loans at Sharia Cooperation (KJKS) in Semarang City. The population in this study are cooperation customers who have non-performing loans on Sharia Cooperation (KJKS) in Semarang City. Sampling technique in this research is by using convinience sampling method with 82 respondents. Testing of research instrument used validity test and reliability test. The collected data were analyzed using descriptive statistical analysis and inferential statistical analysis. The analysis tool used in this study is SPSS 21. The results of this study indicate that character, capacity, capital, collateral, condition, loan term, loan repayment rate simultaneously affect the non-performing loans. Partially, character, capital has a negative influence on non-performing loans and the rate of payments has a positive influence on non-performing loans. While the capacity, collateral, condition and loan term have no influence on non-performing loans. The conclusions in this study are the level of nonperforming loans can be minimized with the character of an honest customer and the capital that the customer is capable, as well as the level of loan repayment rate set by the cooperation. [ABSTRACT FROM AUTHOR] |
| Abstract (Indonesian): |
Penelitian ini bertujuan untuk mengetahui bukti empiris mengenai pengaruh character, capacity, capital, collateral, condition, waktu pinjaman, tingkat balas jasa pinjaman terhadap kredit bermasalah pada koperasi Jasa Keuangan Syariah (KJKS) yang ada di Kota Semarang. Populasi dalam penelitian ini adalah nasabah koperasi yang memiliki pembiayaan atau kredit bermaslah pada koperasi Jasa Keuangan Syariah (KJKS) yang ada di Kota Semarang. Teknik pengambilan sampel dalam penelitian ini yaitu dengan menggunakan metode convinience sampling dengan 82 responden. Pengujian instrumen penelitian menggunakan uji validitas dan uji reliabilitas. Data yang terkumpul dianalisis dengan menggunakan analisis statistik deskriptif dan analisis statistik inferensial. Alat analisis yang digunakan pada penelitian ini adalah SPSS 21. Hasil penelitian ini menunjukan bahwa character, capacity, capital, collateral, condition, waktu pinjaman, tingkat balas jasa pinjaman berpengaruh secara simultan terhadap kredit bermasalah. Secara parsial caharacter, capital berpengaruh negatif terhadap kredit bermasalah dan tingkat balas jasa berpengaruh positif terhadap kredit bermasalah. Sementara capacity, collateral, condition dan waktu pinjaman tidak berpengaruh terhadap kredit bermasalah.Simpulandalam penelitian ini yaitu tingkat kredit bermasalah dapat diminimalisir dengan character nasabah yang jujurdan capital yang nasabah yang mampu, serta tingkat balas jasa yang ditetapkan koperasi. [ABSTRACT FROM AUTHOR] |
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| قاعدة البيانات: |
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