Abstract:
This research analyses the Influence of 5C’s dimensions towards credit quality: A
case study of Small Enterprise Member in Melati Credit Union in Depok, West
Java. A survey was conducted on 100 respondents who are small enterprise and
member of Melati Credit Union. Data analysis that used is multiple linear
regressions with least squares equation and test hypothesis using t-statistics for
testing the partial level of 5%. It also tested the classical assumptions that
included tests of normality, multicollinearity test, heteroscedascity test and
autocorrelation test. This shows the availability data has been qualified using
multiple linear regressions equation model. The result indicates that capacity and
capital have no partial significant influence towards credit quality. The variables
character, collateral and condition have partial significant influence towards credit
quality. Predictive ability of five variables to credit quality in this study is 73.3%
while the remaining 26.4% is affected by other factors, which exclude in this
research.
