ANALISIS FAKTOR PENYEBAB KREDIT MACET PADA USAHA EKONOMI DESA SIMPAN PINJAM (UED-SP) DI KECAMATAN RAMBAH SAMO KABUPATEN ROKAN HULU

Abstract

This research aims to test the influences: Character, Economic condition, capacity,
Collateral, Time period against non-performing loans to Village’s Save and Lend
Economics Businesses (UED-SP) at Rambah Samo Sub-district, Rokan Hulu Regency.
The sample in this research totalled 100 Respondents. Method of determination of the
sample using the method of accidental sampling. Technique of data analysis in this study
using multiple linear regression, t-Test and test the assumptions of normality tests include
classic, multikolonearitas, heteroskedastisitas and autocorrelation data management
using program SPSS version 25.0 softwere. From the test results prove 1). Character
(X1) significant effect partially to the non-performing loans (Y). 2). Economic Condition
(X2) significant effect partially to the non-performing loans (Y). 3). Capacity (X3)
significant effect partially to the non-performing loans (Y). 4). Collateral (x4) but not
significant effect partially to the non-performing loans (Y). 5). Time Period (X5)
significant effect partially to the non-performing loans (Y).
Keywords : Non-Performing Loan, Character, Economic condition, capacity, Collateral,
Time period.