PENGARUH KREDIT MACET, RESTRUCTURING, DAN PERUBAHAN JATUH TEMPO NASABAH TERHADAP PERFORMANCE COLECTION PT. ADIRA DMF CABANG BANJARMASIN I

Abstract

Abstract: The objectives of this research are to analyze the effect of non-performing loans, restructuring, and changes in customer maturity simultaneously, partially and dominantly towards PT. Adira DMF Banjarmasin Branch I. The research method used analytic survey with Cross Sectional approach. The population in the study were 5781 people. The sample used a purposive sampling technique of 50 customers with smooth credit and 50 customers with bad credit. Data collection techniques using questionnaires and analyzed using multiple linear regression test, F test and t test with a significance level of 95% (α = 0.05). Result from this research showed that there is a simultaneous significant influence between bad credit, restructuring, and changes in the maturity of customers towards PT. Adira DMF Banjarmasin Branch I. There is a partial significant influence between bad credit to PT. Adira DMF Banjarmasin Branch I. Bad loans are the only variable that has the biggest influence on PT. Adira DMF Banjarmasin Branch I.

 

Keywords: Non Performing Loan, Restructuring, Rescheduling and Performance Colection

 

Abstrak: Tujuan dari penelitian ini adalah menganalisis pengaruh kredit macet, restructuring, dan perubahan jatuh tempo nasabah secara simultan, parsial dan dominan terhadap performance colection PT. Adira DMF Cabang Banjarmasin I. Metode penelitian menggunakan survey analitik dengan pendekatan Cross Sectional. Populasi dalam penelitian sebanyak 5781 orang. Sampel menggunakan teknik purposive sampling sebanyak 50 orang nasabah dengan kredit lancer dan 50 orang nasabah dengan kredit macet. Teknik pengumpulan data menggunakan kuesioner dan dianalisis menggunakan uji regresi linear berganda, uji F dan uji t dengan tingkat kemaknaan 95% (α=0,05). Hasil penelitian menunjukkan bahwa ada pengaruh signifikan secara simultan antara kredit macet, restructuring, dan perubahan jatuh tempo nasabah terhadap performance colection PT. Adira DMF Cabang Banjarmasin I. Ada pengaruh signifikan secara parsial antara kredit macet terhadap performance colection PT. Adira DMF Cabang Banjarmasin I. Kredit macet merupakan satu-satunya variabel yang memiliki pengaruh dan terbesar terhadap performance colection PT. Adira DMF Cabang Banjarmasin I.

 

Kata Kunci: Kredit Macet, Restructuring, Perubahan Jatuh Tempo Nasabah dan Performance Colection