Analisis Faktor-Faktor Yang Mempengaruhi Kredit Macet Dan Upaya Penyelesaiannya Terhadap Koptan Sumber Rezeki Desa Binabaru Kecamatan Kampar Kiri Tengah Kabupaten Kampar Provinsi Riau

Fatoniah, Nur (2019) Analisis Faktor-Faktor Yang Mempengaruhi Kredit Macet Dan Upaya Penyelesaiannya Terhadap Koptan Sumber Rezeki Desa Binabaru Kecamatan Kampar Kiri Tengah Kabupaten Kampar Provinsi Riau. Other thesis, Universitas Islam Riau.

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Abstract

The cooperative is present in the midst of the community by developing tasks and goals to realize the welfare of members. Koperasi Tani (KOPTAN) Sumber Rezeki Binabaru Village, Kampar Kiri Tengah District is one of the cooperatives whose business activities are savings and loan. This cooperative was established on October 25, 1997. Bad credit illustrates a situation where credit repayment agreements run the risk of failure and even tend to go in a direction where the bank or cooperative has a potential loss. This study aims to determine the characteristics of KOPTAN Sumber Rezeki members, find out what are the factors that influence bad loans and their efforts to resolve them in KOPTAN Sumber Rezeki, Binabaru Village, Kec. Kampar Kiri Tengah Kampar Regency, Riau Province. The method used by the census. There are 70 members who experience credit defaults in 2017. The data measurement technique used in this study uses a Likert scale while the data analysis uses multiple linear regression analysis. Based on the data obtained by the age of members who experience credit defaults are still in productive age and have family dependents. From the regression test results obtained by the equation: Y = 2.775 + 0.281 X1 + 1.008 X2. In the determinant coefficient (R2) test the Internal Factor and External Factor variables contributed 93.2% to the Y variable (Bad Credit). Internal X1 Factor (credit policy) Tcount value of 3.271 with a table value of 1.9960 means that the independent variable has an influence on the dependent variable, so H1 is accepted. External Factor X2 (debtor personality, interest rates, loan amount, economic conditions) The tcount of 18.129 with a ttable of 1.9960 can be interpreted that the independent variable has an influence on the dependent variable, so H2 is accepted. Settlement of bad loans is done through two channels, namely non-litigation and litigation. Non-litigation is done by giving a warning letter and then negotiation is conducted between the cooperative and the debtor, if the settlement is not resolved, the cooperative will take the litigation path by confiscating the guarantee given by th

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