54
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
55
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
