ANALYSIS THE INFLUENCE OF INTERNAL FACTORS FROM DEBTOR SIDE (COMPETENCE, CHARACTER, AND CAPACITY) AND CREDITOR SIDE (CREDIT ANALYST CAPABILITY) TOWARD NON-PERFORMING LOAN RISK OF UNSCURED LOAN “KUPEDES GOLBERTAP” AT PT. BANK RAKYAT INDONESIA UNIT OFFICES IN PALU

Abstract

PT. Bank Rakyat Indonesia as a state-owned bank is expected to increase its role in economic growth by providing Unsecured Loan “Kupedes Golbertap” that can be used for productive and consumptive purposes. In order to minimize the risk that occurs on Unsecured Loan, PT. Bank Rakyat Indonesia needs to know, analyze and provide attention more deeply about how big the influence of internal factors from debtor and creditor which are Competence, Character, Capacity and Credit Analyst Capability on the risk of unpaid of Unsecured Loan “Kupedes Golbertap” at PT. Bank Rakyat Indonesia Unit Offices in Palu. This research was conducted in Palu. The method used in this study is a quantitative method with conduct a field survey using questionnaires to 96 respondents who works as a credit analyst at PT. Bank Rakyat Indonesia Unit Offices in Palu. This research use saturated sampling method. Data were analyzed using multiple linear regression, determination, F test, and t test statistical analysis with SPSS version 16. From the analysis and discussion, it can be concluded that variable Competence, Character, Capacity, and Credit Analyst Capability simultaneously have a significant influence on the Non-Performing Loan Risk. This is evidenced by the results of F test or ANOVA test in which the obtained value of Fcount 17.071 much greater than Ftable 2.472 with a significance level 0.000 less than 0.05 (alpha value used is 5%). In addition, obtained Adjusted R Square is 0.404. This means that 40.4% change in Non-Performing Loan Risk is influenced by the four independent variables studied. Partially variable Competence and Character has significant and negative influence on Non-Performing Loan Risk. This is evident from the results of t test, which tcount greater than ttable or the significance level less than 0.05. From the results of the value of Standardized Coefficients Beta proved that variable Character has dominant influence on Non-Performing Loan Risk. Based on these results it is recommended to PT. Bank Rakyat Indonesia Unit Offices in Palu generally and employees in charge of analyzing credit (Credit Analyst) especially should do the analysis and give attention to variables Competence, Character, Capacity and Credit Analyst Capability, considering the significant influence simultaneously toward non-performing loan risk of unsecured loan “Kupedes Golbertap”. Besides gives attention partially on variable Character and Competence because it has negative and significant influence on risk of non-performing loan.