PENGARUH PENGENDALIAN INTERN KREDIT MODAL KERJA DAN KREDIT KONSUMTIF TERHADAP RESIKO TIMBULNYA KREDIT MACET PADA BANK BRI (PERSERO) CABANG KRAMAT JATI JAKARTA TIMUR

Abstract

This study aims to determine the effect of providing working capital and consumer credit forthe risk of bad credit.The data used in this study are secondary data obtained from Bank BRI (Persero) KramatJati Branch, East Jakarta, as a reference in this study which is data on working capital loans,consumer loans and bad loans (working capital loans and consumer loans) which is presentedmonthly for 4 (four) years. Data processing method with the help of a computerized SPSS version22 analysis tool. Using quantitative data. Statistical testing in this study uses the ClassicAssumption Test, Testing the Goodness of Fit, Correlation Coefficient Analysis and MultipleRegression Analysis.The results obtained by the simultaneous multiple regression equation Y = -911435174,051+ 0.071 * X1 + 0.047 * X2. Partially the t test was obtained between working capital loans (X1)and bad loans (Y) is tcount = (3.889)> ttable = (1.68), then working capital loans have asignificant effect on bad loans (Y). Consumptive credit (X2) with bad credit (Y) is tcount =(2,276)> ttable = (1.68), then consumer credit (X2) has a significant effect on bad credit (Y).Fcount (7,859)> Ftable (3,20), then Ho is rejected or Ha is accepted, meaning that the workingcapital credit variable (X1), consumer credit (X2) together have a significant effect on bad credit(Y). Correlation coefficient value or R = 0.509, this shows that the two independent variables(working capital credit and consumer credit) contributed to the occurrence of bad credit(dependent variable) of 0.509. The coefficient of determination or R-Squre = 0.259 = 25.9%. Thismeans that the magnitude of the influence of variables X1 and X¬2 on Y by 25.9% and theremaining 74.1% is influenced by other factors such as Kupedes credit, People's Business Credit(KUR) and other loans and Adjusted R-Square value of 0.226 .Keywords: Working Capital Loans, Consumer Loans and Bad Credit