Open AccessEffects of Income and Fund Management of State Civil Apparatus on Bank Credit Granting (Case Study of the Academic Community of IAIN Manado)
Author(s) -
Syarifuddin Mala
Publication year - 2019
Publication title -
tasharruf
Language(s) - English
Resource type - Journals
eISSN - 2528-0325
pISSN - 2528-0317
DOI - 10.30984/tjebi.v3i2.790
Subject(s) - revenue , business , test (biology) , actuarial science , population , value (mathematics) , finance , sample (material) , accounting , economics , statistics , sociology , mathematics , paleontology , chemistry , demography , chromatography , biology
This study aims to examine and analyze the influence of income (x1), and the management of funds of the state civil apparatus (X2) on bank credit granting, a case study of the Academic Community of IAIN Manado. This research is a survey research conducted on the Academic Community of IAIN Manado. The population in this study is 111 respondents and the sample is 87 respondents. Sampling uses a random sampling technique with Solvin formula. The data analysis technique used in this study is the normality test, hypothesis testing, and T test using multiple regression analysis with SPSS V.16 application for Windows.The results of this study prove that income does not affect the granting of credit with a value of 0.857> 0.05, Fund management affects the granting of credit with a value of 0.003 <0.05 and Revenue (X1) and Fund Management (X2) simultaneously for Credit granting (Y ) with a value of 0.005 <0.05. Based on the results of the analysis it can be seen that the R square value is 0.119 or 11, 9% management of funds. This means that the influence of the fund management variable on the provision of bank credit has an influence of 11, 9%Keywords: Income, Fund Management, and Credit Granting