PENGARUH KARAKTERISTIK INDIVIDU, PENDAPATAN NASABAH, DAN NILAI AGUNAN TERHADAP KELANCARAN PENGEMBALIAN KREDIT PADA BANK BRI MUARA TEWEH

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Bobi Saputra, M.Pd

Abstract

This study aims to study the characteristics of individuals towards the smoothness of loans at Bank
BRI Muara Teweh, to determine the contribution of spending on the smoothness of loans at Bank
BRI Muara Teweh, to determine the relationship of collateral with smoothness, credit at Bank BRI
Muara Teweh, To find out the importance of individual characteristics, income and collateral value
simultaneously to the smoothness of credit loans at Bank BRI Muara Teweh. The research method
used is an associative method that encourages clauses namely research that aims to study the
relationship between variables or more. The research results concluded; Variable individual
characteristics have a significant influence on the smoothness of credit at BRI Bank Muara Teweh,
the resulting positive effect. The better the individual characteristics, the smooth credit will also
be good which can be interpreted that each increase in individual characteristics of 1 (one) unit
will increase the smoothness of credit increase of 0.437. Variable Financial expenditure has a
significant influence on the smoothness of Bank BRI Muara Teweh credit loans, the resulting
effect is positive. The higher the level of income, the smooth credit will also be high which can be
interpreted that every 1 (one) unit increase in income will increase the smoothness of credit by
0.305. Variable collateral value has a significant effect on the smoothness of credit at Bank BRI
Muara Teweh, the resulting effect is positive. The higher the Collateral value, the Smooth credit
will also be high which can be interpreted that each Increase in Collateral Value of 1 (one) unit
will increase the Smoothness of Credit Money by 0.448.
This research can still be developed further, with recommendations Adjusted R2 Results of 56.7
percent shows that there are still other variables that can affect the smooth rate of credit repayment
so that further research is expected to consider other variables such as capital, conditions of
economy, number of dependents family and the number of dependents to other parties suspected
of having an influence on the level of credit repayment at Bank Muara Teweh BRI.

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