FAKTOR-FAKTOR YANG MEMPENGARUHI KREDIT MACET PADA KOPERASI SIMPAN PINJAM DI KUD SEMBADA

Abstract

ABSTRACT

This study aims to examine and analyze the effect of factors that influence bad credit in cooperatives in KUD sembada sub-district puspo districs pasuruan both partially. The population is 179 members and a sample of 45 members. Data collection through questionnaires. Data analysis in this study uses SPSS version 20.0. The sampling technique using quantitative methods and data testing techniques used in this study include validity test, reliability test, classic assumption test and multiple linear regression analysis, and testing the research hypothesis. The results of the analysis show that interest rate have a significant effect on bad debt and loan term have a significantly  bad debt.

Key word : interest rate, loan term and bad debt.