ANALYSIS OF FACTORS INFLUENCE THE NON PERFORMING LOAN BASED ON 5C’S PRINCIPLE AT PT. BPR TUTUR GANDA,SUBANG

Abstract

The objective of this research to analyze factors influence Non-Performing Loans at PT. Bank Perkreditan Rakyat Tutur Ganda. The Independent variables that are character, capacity, capital, collateral and condition, the dependent variable is Non-Performing Loan. In this research, the data collected are primary data, by spreading questioner to the 97 respondents. Inside the questioner, tool for measure the degree of agreement from respondents is Likert Scale. Test that include in quantitative analysis are reliability and validity test, classical assumptions test, and multiple regression linear to conclude the hypothesis testing through F-test, T-test, and coefficient determination (R2). This research found in that 3 variables (Character, Collateral and Condition) in this research have significant influence towards Non-Performing Loans. As for capacity factor and capital factor shows the result different where the variable have no significant influence towards Non-Performing Loans. There is simultaneously a sigificant influence of character, capacity, capital, collateral, condition towards Non-Performing Loans, The level of influence was 69.2%, while 30.8% are influenced by other factors.