FAKTOR-FAKTOR YANG MEMPENGARUHI KREDIT MACET PADA UNIT SIMPAN PINJAM (USP) MEKAR MAJU KECAMATAN RUPAT UTARA KABUPATEN BENGKALIS

Abstract

This study aims to determine the factors that influence bad credit in the Mekar Maju Savings and Loan Unit (USP) in Rupat Utara District, Bengkalis Regency. The research location is in Tanjung Medang Village, Rupat Utara District, Bengkalis Regency towards the Mekar Maju savings and loan unit (USP) The data used in this study are primary data obtained from questionnaires distributed to 62 respondents. The dependent variable in this study is bad credit (Y). while the independent variables in this study are income (X1), sales (X2) and time period (X3). This type of research is quantitative research and analyzed using multiple linear regression analysis with SPSS-24 program. From the research results obtained income, sales and time period significantly affect bad loans. Partially income, sales and time period have a negative and significant effect on bad loans.

Keywords: Bad Credit, Income, Sales and Term