Faktor-faktor yang mempengaruhi kelancaran pengembalian kredit usaha rakyat yang disalurkan PT Bank Negara Indonesia (persero)Tbk sentra kredit kecil Bogor

Putra, Rahmadiansyah (2021) Faktor-faktor yang mempengaruhi kelancaran pengembalian kredit usaha rakyat yang disalurkan PT Bank Negara Indonesia (persero)Tbk sentra kredit kecil Bogor. Masters thesis, IPB University.

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Official URL: https://repository.ipb.ac.id/handle/123456789/1103...


The role of PT Bank Negara Indonesia (Persero) Tbk (BNI) in People's Business Credit (KUR) schemes is very important in Indonesia. The total distribution of KUR by BNI in 2019 was Rp. 17.8 Trillion and continued to increase despite the pressure of the Covid 19 pandemic to Rp. 21.3 Trillion in 2020. The objectives of this study are 1) To analyze the development of Non Performing Loan (NPLs) from KUR distibuted by BNI SKC Bogor, and 2) To analyze the factors that influence repayment of KUR distributed by BNI SKC Bogor. This study uses secondary data from the financial statements of PT Bank Negara Indonesia (Persero) Tbk and internal KUR data distributed by the Bogor Small Credit Center (SKC Bogor), Jakarta BSD Regional Office (WJB) from 2017- 2019. Selection of SKC Bogor considering the high NPL cases that occurred compared to other branches. The total number of KUR respondents is 1,031, consisting of 961 good repayment debtors (collectibility 1) and 70 bad repayment debtors (collectibility 2,3,4 and 5). Descriptive analysis is used to analyze the performance of KUR distribution by SKC Bogor. In addition, quantitative analysis of Logit model is used to analyze the factors that influence the level of Non- Performing Loans from KUR distributed by SKC Bogor. The results of the study show that KUR distribution by SKC Bogor from 2017-2019 grew by 16.47%. However, credit risk increased where NPL increased from 0.798 in 2017 to 1.18% in 2019. The growth of NPL has an impact on an increase in Allowance for Earning Assets (PPAP) by 1.56% which will become costs and reduce bank profits. The results of the Logit model show that the variables of total credit, age, increase performing repayment debtor KUR. On the other hand, an increase in interest rates and dummy manufacturing sector reduces probability on performing repayment on KUR. The total credit has the equal probability on performing/failed of KUR repayment. The managerial implications for SKC Bogor are: 1. The distribution of KUR by SKC Bogor can be more diversified. In the process of credit analysis and decision making, BNI SKC Bogor can reduce distribution to the trade sector and increase distribution to productive sector. 2. Credit decision making needs to consider the age debtors and type of business, 3. The binding of additional guarantees other than the basic guarantee must still be carried out at the time of credit realization, and 4. Credit risk mitigation in the form of supervision focused on young debtors (less than 45 years), debtors from manufacturing sector and debtors subject to higher interest rates (credit contracts before 2016) who have a higher probability of default on credit payments.

Item Type: Thesis (Masters)
Uncontrolled Keywords: Non Performing Loan, Logit, Kredit Usaha Rakyat (KUR) Non Performing Loan, Logit, People Business Credit (KUR)
Subjects: Manajemen Keuangan
Depositing User: SB-IPB Library
Date Deposited: 24 Nov 2022 03:30
Last Modified: 24 Nov 2022 03:30
URI: http://repository.sb.ipb.ac.id/id/eprint/3956

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