Formulasi model analisis kredit pada usaha kecil

Rosadi, Rosadi (2004) Formulasi model analisis kredit pada usaha kecil. Masters thesis, Institut Pertanian Bogor.

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E19-02-Rosadi-Abstrak.pdf

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Official URL: http://elibrary.mb.ipb.ac.id

Abstract

The Study of Credit Analysis Model for Micro and Small Business Enterprises (Rosadi) The aim of this study is at the formulating a model for credit analysis for the micro and small business enterprises. The analysis will be based on the special characteristics owned by the enterprises that affect the timely repayment of their loans. Using Stratified Random Sampling method, this study picked 150 customers of PT. BPR Bali Dayaupaya Mandiri. Of which, 75 customers belong to those who have no arrear in their loan repayment (good credit standing) and the other 75 customers are in the categories of repayment in arrears (bad credit standing). Data comprises of age, level of education, number of dependent in the family, cash flows, the ratio of total installment to total cash inflows, total loan, the ratio of total loan to the total assets owned, the status of the ownership of the collateral, the ratio of total loan to the total value of the collateral, and the industrial sector are considered to be the independent variables. The data are analyzed using Logistics Regression Analysis. The research finds that the most significant factors influencing the regularity of the repayment of the micro and small business enterprises loan are level of education, cash flows, the ratio of total installment to total cash inflows, total loan, the ratio of total loan to the total assets owned, the ratio of total loan to the total value of the collateral, and the industrial sector. Based on tis finding, this research suggests the mangement of BPR Bali Dayaupaya Mandiri to consider the above mentional factory in analyzing the micro business credit. This study also suggests any parties to conduct smilar study to assure the factors influencing the regularity of micro and small business credit repayment

Item Type: Thesis (Masters)
Uncontrolled Keywords: Kredit, BPR Bali, Manajemen Perkreditan, Analisis Kredit, Regresi Logistik, Studi Kasus
Subjects: Manajemen Keuangan
Depositing User: Library
Date Deposited: 04 Aug 2011 01:23
Last Modified: 04 Aug 2011 01:23
URI: http://repository.sb.ipb.ac.id/id/eprint/84

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