Analisis Faktor-Faktor yang Mempengaruhi Keputusan Pemberian Kredit pada PT. Bank Negara Indonesia (Persero) Tbk, Area Sumatera Bagian Utara (SUMBAGUT)
54
ABSTRAK
Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh karakter
debitur, lama usaha debitur, SDM debitur, pengalaman debitur secara simultan
dan parsial terhadap keputusan pemberian kredit pada PT. Bank BNI (Persero)
Tbk, Area Sumatera Bagian Utara (Sumbagut). Metode pengumpulan data yang
digunakan adalah teknik pengumpulan data melalui kuesioner. Populasi dari
penelitian ini meliputi seluruh analis kredit pada PT. Bank BNI (Persero) Tbk,
Area Sumatera Bagian Utara (Sumbagut). Sampel penelitian sebanyak 36 orang.
Model analisis data yang digunakan untuk menguji hipotesis model regresi linear
berganda. Hasil penelitian menunjukkan karakter debitur, lama usaha debitur,
SDM debitur, pengalaman debitur secara simultan berpengaruh terhadap
keputusan pemberian kredit pada PT. Bank BNI (Persero) Tbk, Area Sumatera
Bagian Utara (Sumbagut). Secara parsial variabel karakter debitur berpengaruh
negatif signifikan terhadap variabel keputusan pemberian kredit, variabel lama
usaha secara parsial berpengaruh negatif tidak signifikan terhadap variabel
keputusan pemberian kredit, variabel SDM debitur secara parsial berpengaruh
positif tidak signifikan terhadap variabel keputusan pemberian kredit. Sedangkan
Variabel pengalaman berpengaruh positif signifikan terhadap variabel keputusan
pemberian kredit.
Kata Kunci : karakter debitur, lama usaha debitur, SDM debitur, pengalaman
54
Universitas Sumatera Utara
55
ABSTRACT
The objective of the research was to examine and analyze the influence of debtor’s
character, duration of debtor’s business, debtor’s human resources, and debtor’s
experience simultaneously and partially on decision to give loan to PT. Bank BNI
(Persero) Tbk., Sumbagut (Northern Part of Sumatera) Region. The data were
gathered by using questionnaires. The population was the whole credit analysis at
PT. Bank BNI (Persero), Tbk, Sumbagut Region. The samples were 36
respondents. The data were analyzed by using multiple linear regression analysis
to test the hypothesis. The result of the research showed that debtor’s character,
duration of debtor’s business, debtor’s human resources, and debtor’s experience
simultaneously influenced decision to give credit at PT. Bank BNI (Persero), Tbk,
Sumbagut Region. Partially, debtor’s character had negative but significant
influence on the variable of decision to give credit, the variable of duration of
business had negative and insignificant influence on the variable of decision to
give credit, the variable of debtor’s human resources had positive but
insignificant influence on the variable of decision to give credit, and the variable
of experience had positive and influence on the variable of decision to give credit.
Keywords: Debtor’s Character, Duration of Debtor’s Business, Debtor’s Human
Resources, Experience
KATA PENGANTAR
55
Universitas Sumatera Utara
ABSTRAK
Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh karakter
debitur, lama usaha debitur, SDM debitur, pengalaman debitur secara simultan
dan parsial terhadap keputusan pemberian kredit pada PT. Bank BNI (Persero)
Tbk, Area Sumatera Bagian Utara (Sumbagut). Metode pengumpulan data yang
digunakan adalah teknik pengumpulan data melalui kuesioner. Populasi dari
penelitian ini meliputi seluruh analis kredit pada PT. Bank BNI (Persero) Tbk,
Area Sumatera Bagian Utara (Sumbagut). Sampel penelitian sebanyak 36 orang.
Model analisis data yang digunakan untuk menguji hipotesis model regresi linear
berganda. Hasil penelitian menunjukkan karakter debitur, lama usaha debitur,
SDM debitur, pengalaman debitur secara simultan berpengaruh terhadap
keputusan pemberian kredit pada PT. Bank BNI (Persero) Tbk, Area Sumatera
Bagian Utara (Sumbagut). Secara parsial variabel karakter debitur berpengaruh
negatif signifikan terhadap variabel keputusan pemberian kredit, variabel lama
usaha secara parsial berpengaruh negatif tidak signifikan terhadap variabel
keputusan pemberian kredit, variabel SDM debitur secara parsial berpengaruh
positif tidak signifikan terhadap variabel keputusan pemberian kredit. Sedangkan
Variabel pengalaman berpengaruh positif signifikan terhadap variabel keputusan
pemberian kredit.
Kata Kunci : karakter debitur, lama usaha debitur, SDM debitur, pengalaman
54
Universitas Sumatera Utara
55
ABSTRACT
The objective of the research was to examine and analyze the influence of debtor’s
character, duration of debtor’s business, debtor’s human resources, and debtor’s
experience simultaneously and partially on decision to give loan to PT. Bank BNI
(Persero) Tbk., Sumbagut (Northern Part of Sumatera) Region. The data were
gathered by using questionnaires. The population was the whole credit analysis at
PT. Bank BNI (Persero), Tbk, Sumbagut Region. The samples were 36
respondents. The data were analyzed by using multiple linear regression analysis
to test the hypothesis. The result of the research showed that debtor’s character,
duration of debtor’s business, debtor’s human resources, and debtor’s experience
simultaneously influenced decision to give credit at PT. Bank BNI (Persero), Tbk,
Sumbagut Region. Partially, debtor’s character had negative but significant
influence on the variable of decision to give credit, the variable of duration of
business had negative and insignificant influence on the variable of decision to
give credit, the variable of debtor’s human resources had positive but
insignificant influence on the variable of decision to give credit, and the variable
of experience had positive and influence on the variable of decision to give credit.
Keywords: Debtor’s Character, Duration of Debtor’s Business, Debtor’s Human
Resources, Experience
KATA PENGANTAR
55
Universitas Sumatera Utara