ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI OUTSTANDING KREDIT UMUM PEDESAAAN (KUPEDES) PT BANK RAKYAT INDONESIA (PERSERO), TBK

Erric Wijaya, Kesuma wardhani

Abstract


Most businesses in Indonesia are Micro, Small, and Medium Enterprises (MSME). MSME
have a significant role on the economy. In banking sector, the credit financing in MSME
gives many benefits. This evidence pushes the demand of micro banking market. From
the moment it’s established, BRI who has a business focus in MSME through credit
financing program which is Kupedes, should know the important factor that have to be
maintain to keep the growth of its credit finance. This research uses a multiple linear
regression analysis to determine the influence of independent variables on dependent
variable. Independent variables in this research represented by Kupedes interest rate,
Gross Domestic Product (GDP), number of BRI Units, and Kredit Usaha Rakyat (KUR)
Program, while the dependent variable is reflected by outstanding Kupedes. The results of
this study indicates that Kupedes interest rate, Gross Domestic Product (GDP), number of
BRI Units, and KUR program have significant influence on outstanding Kupedes
simultaneously. In addition, Kupedes interest rate, GDP, and number of BRI Units also
have significant influence on outstanding Kupedes partially, while KUR program has no
significant influence on outstanding Kupedes partially.

Full Text:

PDF

Article Metrics

Abstract views : 375| PDF views : 0


DOI: http://dx.doi.org/10.25105/me.v18i1.9

Refbacks

  • There are currently no refbacks.


Copyright (c) 2016 Media Ekonomi



 

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

 

View My Stats