Wahyudi, Tri (2019) Analisis faktor-faktor yang memengaruhi non performing financing di pt taf dan pengendaliannya. Masters thesis, Institut Pertanian Bogor.
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Abstract
PT TAF is one of the multifinance companies in Indonesia. The increase in low segment sales from 2013-2017 with a high credit amount led to an increase in the quality of PT TAF's receivables categorized as Non Performing Financing (NPF). This increase in NPF was also accompanied by an increase in PT TAF's net loss in 2017 and affected the company's profits. Therefore an analysis is needed to find out the factors that influenced the amount of credit and NPF, so that a management strategy can be formulated. This study uses secondary data of PT TAF’s debtors related to the amount of credit, debtor delays and NPF from 2013 to 2017. The approach of this study is a case study in PT TAF about the level of Non Performing Financing from 2013 -2017. The method used in this study is descriptive analysis and statistical tests. Multiple linear regressions are performed to determine the factors that influence the amount of credit, while logistic regression is carried out to determine the factors that influence NPF and bucket collectability. The results of the analysis will be used to formulate a strategy for controlling NPF at PT TAF. Factors that significantly influence the amount of the credit are vehicle price, age, loan interest, installment amount, income, down payment, type of first installment, type of vehicle, education, gender, credit package, and credit tenor. Factors that significantly influence NPF are the amount of credit, LTV, inflation , the residence of the debtor at Java area and Sumatera area. Factors that significantly influence bucket collectability are the amount of credit, LTV, inflation , and the residence of the debtor at Sumatera area. The proposed strategy formulations are: to consider factors in vehicle price, age, interest, installment, income, down payment, type of first installment, type of vehicle, education, gender, credit package, tenor and area of debtor in granting credit, to increase the debtor portfolio with LTV less than or equal to 80%, avoid low down payment and long tenor financing products, strengthen collection organizational structures and increase team collection capabilities, and utilize the Financial Information Service System from OJK to obtain information about the prospective debtor's credit history.
| Item Type: | Thesis (Masters) |
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| Uncontrolled Keywords: | besaran kredit, loan to value, multifinance, non performing financing amount of credit, loan to value, multifinance, non performing financing |
| Subjects: | Manajemen Keuangan |
| Depositing User: | SB-IPB Library |
| Date Deposited: | 14 Dec 2019 03:50 |
| Last Modified: | 14 Dec 2019 03:50 |
| URI: | http://repository.sb.ipb.ac.id/id/eprint/3474 |
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