ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI OUTSTANDING KREDIT UMUM PEDESAAAN (KUPEDES) PT BANK RAKYAT INDONESIA (PERSERO), TBK
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 bus...
| Main Authors: | , |
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| Format: | Article |
| Language: | Indonesian |
| Published: |
Universitas Trisakti
2017-10-01
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| Series: | Media Ekonomi |
| Online Access: | http://www.trijurnal.lemlit.trisakti.ac.id/index.php/medek/article/view/9 |
| Summary: | 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. |
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| ISSN: | 0853-3970 2442-9686 |