PENGARUH FAKTOR INTERNAL DAN EKSTERNAL TERHADAP KREDIT BERMASALAH PADA PT. BANK PERKREDITAN RAKYAT (BPR) PEMBANGUNAN KERINCI

Abstract

This study aims to determine the influence of three variables, namely internal factors (X1) and external factors (X2) on non-performing loans (Y) at PT. People's Credit Bank (BPR) Kerinci Development. The type of research used was quantitative research by distributing questionnaires to 63 samples in the status of non-performing credit debtors. Sampling using the Slovin formula. The method used is multiple linear regression with the help of SPSS 22. The results of the t-test of the internal  factor variable show that the tcount < ttable is 0.184 < 2.000 and the resulting signification value is 0.855 > 0.05, it can be concluded that the Internal Factor has no effect on non-performing loans while the external factor variable shows that the tcalculate >  ttable i.e. –2.614 > 2.000, it can be  concluded that external factors negatively affect non-performing loans and for the results of the F test internal and external factor variables show a ftable  > calculation  of 4.897 > 3.15 and the resulting significance value of 0.011 < 0.05 then it is concluded that Internal factors and External Factors simultaneously affect non-performing loans