Anda diminta untuk melingkari skor sesuai dengan penilaian Anda, mengenai faktor yang mempengaruhi keputusan pemberian kredit berikut ini: NO Keterangan STS
Perpustakaan Unika
Perpustakaan Unika
Nama : ......................................... Jabatan : ......................................... Instansi : ......................................... KUESIONER PENELITIAN
Sehubungan dengan penelitian tentang pemberian kredit kepada UMKM yang berjudul: ”Analisis korelasi Faktor-faktor Fundamental Keuangan Terhadap Pengambilan keputusan Kredit Bank Umum dan Bank Perkreditan Rakyat Di Kota Pekalongan”, mohon kesediaan Anda untuk mengisi kuesioner penelitian berikut ini. Atas kesediaan Anda untuk mengisi kuesioner ini Kami mengucapkan terima kasih. Skor yang dapat anda berikan adalah sebagai berikut:
- Sangat Tidak Setuju (STS) skor 1
- Tidak Setuju (TS) skor 2
- Biasa (Netral) (N) skor 3
Perpustakaan Unika Pengalaman usaha yang dimiliki calon debitur 4 akan mempengaruhi Anda dalam memberikan
1 2 3 4 5 kredit.
Latar belakang pendidikan calon debitur sebagai
5 pemilik usaha mempengaruhi Anda untuk 1 2 3 4 5
memberikan kredit. Kemampuan calon debitur untuk6 mengembalikan kreditnya mempengaruhi Anda 1 2 3 4 5
untuk memberikan kredit.II. Analisis capital (modal) calon debitur
1 Besarnya modal pemilik pada usaha calon debitur mempengaruhi Anda untuk memberikan 1 2 3 4 5 kredit. Struktur modal dari calon debitur mempengaruhi
2 1 2 3 4 5 Anda untuk memberikan kredit.
Keefektifan penggunaan modal calon debitur 3 dalam menjalankan usahanya mempengaruhi 1 2 3 4 5 Anda untuk memberikan kredit.
Tingkat likuiditas usaha calon debitur
4 1 2 3 4 5 mempengaruhi Anda untuk memberikan kredit.
Tingkat solvabilitas usaha calon debitur
5 1 2 3 4 5 mempengaruhi Anda untuk memberikan kredit.
Tingkat rentabilitas usaha calon debitur
6 1 2 3 4 5 mempengaruhi Anda untuk memberikan kredit.
III. Analisis condition of economy (kondisi ekonomi)
Perpustakaan Unika
IV. Analisis collateral (jaminan) dan protection (perlindungan)
Besarnya nilai jaminan mempengaruhi Anda
1 1 2 3 4 5 untuk memberikan kredit.
Tersedianya jaminan mempengaruhi Anda untuk
2 1 2 3 4 5 memberikan kredit.
Adanya jaminan barang/jaminan asuransi dari
3 calon debitur membuat Anda merasa aman 1 2 3 4 5
untuk memberikan kredit kepada debitur. Besarnya nilai aset tetap usaha calon debitur4 1 2 3 4 5 mempengaruhi Anda untuk memberikan kredit.
Besarnya aset yang dimiliki usaha calon debitur
5 1 2 3 4 5 mempengaruhi Anda untuk memberikan kredit.
V. Analisis payment (pembayaran) calon debitur
Tingginya tingkat penjualan perusahaan calon
1 debitur mempengaruhi Anda untuk memberikan 1 2 3 4 5
kredit. Besarnya pendapatan yang diperoleh calon2 debitur dari usahanya mempengaruhi Anda 1 2 3 4 5
untuk memberikan kredit. Banyaknya sumber pendapatan lainnya pada3 calon debitur mempengaruhi Anda untuk 1 2 3 4 5
memberikan kredit. Banyaknya usaha yang dimiliki calon debitur4 1 2 3 4 5 mempengaruhi Anda untuk memberikan kredit.
VI. Analisis profitability (kemampuan mencari laba) Kemampuan calon debitur dalam mencari laba
Perpustakaan Unika Anda akan memberikan kredit kepada debitur 5 yang memiliki jumlah pendapatan yang besar
1 2 3 4 5 tiap periodenya.
Anda akan memberikan kredit kepada debitur
6 yang mengeluarkan biaya operasional dan non 1 2 3 4 5
operasional tinggi untuk tiap periode. Anda akan memberikan kredit kepada debitur7 yang laba usahanya terus meningkat tiap 1 2 3 4 5
periode. Walaupun calon debitur Anda pernah mengalami kerugian pasa usahanya pada8 1 2 3 4 5 beberapa periode, Anda tetap akan memberikan kredit kepada debitur tersebut.
☺ Terima Kasih☺
Reliability Capacity 1 Case Processing Summary
21.10 6.024 .376 .700 20.81 6.428 .629 .651 21.03 5.632 .540 .645 21.19 6.161 .469 .670 22.87 5.916 .260 .762 21.06 5.862 .638 .627 x1.1 x1.2 x1.3 x1.4 x1.5 x1.6
Perpustakaan Unika
Deleted
Cronbach's Alpha if Item
Item-Total Correlation
Item Deleted Corrected
Scale Variance if
Scale Mean if Item Deleted
31 100.0 .0 31 100.0
Valid Excluded
6 Cronbach's Alpha N of Items
.714
Reliability Statistics
a.
N % Listwise deletion based on all variables in the procedure.
Total Cases
a
Item-Total Statistics
Reliability Capacity2 Case Processing Summary
18.35 4.037 .375 .787 18.06 4.329 .684 .692 18.29 3.880 .482 .740 18.45 3.989 .550 .712 18.32 3.826 .697 .663 x1.1 x1.2 x1.3 x1.4 x1.6
Perpustakaan Unika
Deleted
Cronbach's Alpha if Item
Item-Total Correlation
Item Deleted Corrected
Scale Variance if
Scale Mean if Item Deleted
31 100.0 .0 31 100.0
Valid Excluded
5 Cronbach's Alpha N of Items
.762
Reliability Statistics
a.
N % Listwise deletion based on all variables in the procedure.
Total Cases
a
Item-Total Statistics
Reliability Capital Case Processing Summary
21.48 6.058 .706 .867 21.58 6.252 .720 .865 21.42 6.785 .548 .890 21.19 6.228 .685 .870 21.29 6.013 .785 .854 21.42 5.985 .770 .856 x2.1 x2.2 x2.3 x2.4 x2.5 x2.6
Perpustakaan Unika
Deleted
Cronbach's Alpha if Item
Item-Total Correlation
Item Deleted Corrected
Scale Variance if
Scale Mean if Item Deleted
31 100.0 .0 31 100.0
Valid Excluded
6 Cronbach's Alpha N of Items
.887
Reliability Statistics
a.
N % Listwise deletion based on all variables in the procedure.
Total Cases
a
Item-Total Statistics
Reliability Condition of economy 1 Case Processing Summary
22.10 7.157 .243 .494 22.23 6.447 .575 .389 22.52 6.591 .399 .435 22.45 5.523 .440 .393 23.90 9.490 -.307 .768 22.48 6.458 .455 .415 x3.1 x3.2 x3.3 x3.4 x3.5 x3.6 x3.7
Perpustakaan Unika
Deleted
Cronbach's Alpha if Item
Item-Total Correlation
Item Deleted Corrected
Scale Variance if
Scale Mean if Item Deleted
31 100.0 .0 31 100.0
Valid Excluded
7 Cronbach's Alpha N of Items
.526
Reliability Statistics
a.
N % Listwise deletion based on all variables in the procedure.
Total Cases
a
Item-Total Statistics
Reliability Condition of economy 2 Case Processing Summary
15.52 5.258 .609 .699 15.81 5.428 .410 .757 15.74 4.198 .518 .742 15.77 5.247 .488 .731 15.74 4.865 .725 .658 x3.2 x3.3 x3.4 x3.6 x3.7
Perpustakaan Unika
Deleted
Cronbach's Alpha if Item
Item-Total Correlation
Item Deleted Corrected
Scale Variance if
Scale Mean if Item Deleted
31 100.0 .0 31 100.0
Valid Excluded
5 Cronbach's Alpha N of Items
.761
Reliability Statistics
a.
N % Listwise deletion based on all variables in the procedure.
Total Cases
a
Item-Total Statistics
Reliability Collateral Case Processing Summary
16.32 9.759 .655 .882 16.32 9.492 .715 .870 16.84 8.806 .760 .859 16.61 8.978 .770 .857 16.61 8.645 .762 .859 x4.1 x4.2 x4.3 x4.4 x4.5
Perpustakaan Unika
Deleted
Cronbach's Alpha if Item
Item-Total Correlation
Item Deleted Corrected
Scale Variance if
Scale Mean if Item Deleted
31 100.0 .0 31 100.0
Valid Excluded
5 Cronbach's Alpha N of Items
.890
Reliability Statistics
a.
N % Listwise deletion based on all variables in the procedure.
Total Cases
a
Item-Total Statistics
Perpustakaan Unika
Reliability Payment Case Processing Summary
N % Cases Valid 31 100.0
a
Excluded .0
Total 31 100.0 a.
Listwise deletion based on all variables in the procedure.
Reliability Statistics
Cronbach's Alpha N of Items
.815
4 Item-Total Statistics Scale Corrected Cronbach's
Scale Mean if Variance if Item-Total Alpha if Item Item Deleted Item Deleted Correlation Deleted x6.1
13.00 2.667 .695 .750 x6.2 12.84 2.473 .756 .717 x6.3 13.03 2.366 .445 .899 x6.4 13.00 2.400 .768 .708
Perpustakaan Unika
Reliability Profitability Case Processing Summary
N % Cases Valid 31 100.0
a
Excluded .0
Total 31 100.0 a.
Listwise deletion based on all variables in the procedure.
Reliability Statistics
Cronbach's Alpha N of Items
.906
3 Item-Total Statistics Scale Corrected Cronbach's
Scale Mean if Variance if Item-Total Alpha if Item Item Deleted Item Deleted Correlation Deleted x7.1
8.71 1.346 .752 .914 x7.2 8.61 1.245 .888 .801 x7.3 8.48 1.258 .800 .875
Reliability Pengambilan keputusan kredit 1 Case Processing Summary
24.10 12.690 .554 .652 25.19 16.295 .209 .730 22.97 17.032 .244 .716 24.00 13.400 .613 .640 23.39 16.045 .431 .689 24.68 14.092 .536 .660 y.1 y.2 y.3 y.4 y.5 y.6
Perpustakaan Unika
Deleted
Cronbach's Alpha if Item
Item-Total Correlation
Item Deleted Corrected
Scale Variance if
Scale Mean if Item Deleted
31 100.0 .0 31 100.0
Valid Excluded
8 Cronbach's Alpha N of Items
.716
Reliability Statistics
a.
N % Listwise deletion based on all variables in the procedure.
Total Cases
a
Item-Total Statistics
Reliability Pengambilan Keputusan Kredit 2 Case Processing Summary
13.23 7.314 .633 .672 13.13 8.316 .618 .680 12.52 10.591 .406 .754 13.81 8.561 .604 .687 13.65 8.837 .412 .760 y.1 y.4 y.5 y.6 y.8
Perpustakaan Unika
Deleted
Cronbach's Alpha if Item
Item-Total Correlation
Item Deleted Corrected
Scale Variance if
Scale Mean if Item Deleted
31 100.0 .0 31 100.0
Valid Excluded
5 Cronbach's Alpha N of Items
.757
Reliability Statistics
a.
N % Listwise deletion based on all variables in the procedure.
Total Cases
a
Item-Total Statistics
Descriptives
10 8.61 1.054
Perpustakaan Unika
31 Capacity Capital Condition of Economy Collateral Prospect Payment Profitability Pengambilan keputusan kredit Valid N (listwise) N Minimum Maximum Mean Std. Deviation
23 16.58 3.585
8
31
15 12.97 1.538
9
31
20 17.35 1.889
14
31
Descriptive Statistics
31
31
25 20.68 3.727
10
31
25 19.65 2.715
15
31
30 25.68 2.960
18
31
25 22.87 2.432
14
7
Tests of Normality
.195 31 .004 .803 31 .000 .156 31 .052 .920 31 .023 .133 31 .176 .946 31 .124 .234 31 .000 .877 31 .002 .215 31 .001 .877 31 .002 .219 31 .001 .876 31 .002 .138 31 .140 .974 31 .621
Capacity Capital Condition of Economy Collateral Payment Profitability Pengambilan keputusan kredit
Statistic df Sig. Statistic df Sig.
Kolmogorov-Smirnov
a
Shapiro-Wilk Lilliefors Significance Correction a.
Perpustakaan Unika
Uji Normalitas
Perpustakaan Unika
Correlations
Correlations
Pengambilan Condition of keputusanCapacity Capital Economy Collateral Payment Profitability kredit Capacity Pearson Correlation 1 .207 .321 -.027 .358* .150 .422* Sig. (2-tailed)
.264 .078 .886 .048 .420 .018 N
31
31
31
31
31
31
31 Capital Pearson Correlation .207 1 .160 .054 .587** .334 .442* Sig. (2-tailed) .264 .391 .774 .001 .066 .013 N
31
31
31
31
31
31
31 Condition of Economy Pearson Correlation .321 .160 1 .548** .292 .293 .286 Sig. (2-tailed) .078 .391 .001 .111 .110 .119 N
31
31
31
31
31
31
31 Collateral Pearson Correlation
- .027 .054 .548** 1 .197 .614** .541** Sig. (2-tailed) .886 .774 .001 .289 .000 .002 N
31
31
31
31
31
31
31 Payment Pearson Correlation .358* .587** .292 .197 1 .566** .702** Sig. (2-tailed)
.048 .001 .111 .289 .001 .000 N
31
31
31
31
31
31
31 Profitability Pearson Correlation .150 .334 .293 .614** .566** 1 .741** Sig. (2-tailed) .420 .066 .110 .000 .001 .000 N
31
31
31
31
31
31
31 Pengambilan Pearson Correlation .422* .442* .286 .541** .702** .741**
1 keputusan kredit Sig. (2-tailed) .018 .013 .119 .002 .000 .000 N
31
31
31
31
31
31
31 *. Correlation is significant at the 0.05 level (2-tailed).
- .
Correlation is significant at the 0.01 level (2-tailed).
Perpustakaan Unika Nonparametric Correlations Capacity Capital Economy Collateral Payment Profitability kredit
Correlations
Condition of keputusan PengambilanSpearman's rho Capacity Correlation Coefficient Condition of Economy Correlation Coefficient Capital Correlation Coefficient N Sig. (2-tailed) . .051 .030 .403 .012 .220 .008 Sig. (2-tailed) .051 . .632 .164 .000 .010 .003 N 1.000 .354 .389* .156 .445* .227 .467** .354 1.000 .089 .256 .631** .455* .517** 31 31 31 31 31 31 31 31 31 31 31 31 31 31 Payment Correlation Coefficient .445* .631** .234 .359* 1.000 .692** .727** Collateral Correlation Coefficient .156 .256 .502** 1.000 .359* .640** .594** Sig. (2-tailed) N N Sig. (2-tailed) .403 .164 .004 . .047 .000 .000 .030 .632 . .004 .204 .214 .230 .389* .089 1.000 .502** .234 .230 .222 31 31 31 31 31 31 31 31 31 31 31 31 31 31 Profitability Correlation Coefficient .227 .455* .230 .640** .692** 1.000 .800** Pengambilan Correlation Coefficient .467** .517** .222 .594** .727** .800** 1.000 keputusan kredit Sig. (2-tailed) N Sig. (2-tailed) .008 .003 .230 .000 .000 .000 . N Sig. (2-tailed) .012 .000 .204 .047 . .000 .000 .220 .010 .214 .000 .000 . .000 31 31 31 31 31 31 31 31 31 31 31 31 31 31 *. **. Correlation is significant at the 0.05 level (2-tailed). Correlation is significant at the 0.01 level (2-tailed). N 31 31 31 31 31 31 31