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Analysis of Factors Affecting Decision to Provide Micro Credits at Danamon Savings and Loan Surabaya Cluster

Sugiartiningrum, Ennanda Putrie Anugrah (2018) Analysis of Factors Affecting Decision to Provide Micro Credits at Danamon Savings and Loan Surabaya Cluster. Masters thesis, STIE Perbanas Surabaya.

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Abstract

This study was aimed to test variables of character, capacity, collateral, and condition of economy towards credit decision at Danamon Savings and Loan Surabaya Cluster. Dependent variable in this study was the decision of credit which was made. Independent variables included character, capacity, capital, collateral, and condition of economy. The data processed in this study was in the form of secondary data. The researcher utilized the data of 100 customers who obtained micro credit from Danamon Savings and Loan Surabaya Cluster in 2014 – 2016. The technique of hypothesis testing was Multiple Regression Analysis (MRA) and Glesjer Test by using SPSS 19. Classic assumption test was conducted before the data was regressed to ensure that the data was feasible. The result of classic assumption test proved that residual data was normal, did not restricted by multi-collinearity and auto-correlation. The result of classic assumption test for heteroscedasticity test in this study explained that only variable of character and condition of economy positively and significantly affected credit decision making. The result of multiple linear regression test demonstrated that only capital variable was significant to credit decision which was made. Keywords: Character, capacity, collateral, condition of economy, credit decision

Item Type: Thesis (Masters)
Subjects: 300 - SOCIAL SCIENCE > 332.12 - BANKS & BANKING
Divisions: Magister of Management
Depositing User: Perpustakaan Universitas Hayam Wuruk Perbanas Surabaya
Date Deposited: 02 Feb 2021 04:18
Last Modified: 02 Feb 2021 04:37
URI: http://eprints.perbanas.ac.id/id/eprint/6303

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