Open AccessInternal Factors Affecting The Micro Credit Non Performing Loan (Case Study: BPR Wahana Sentra Artha)
Author(s) -
Faisal Faisal,
Dedi Walujadi,
Anwar Rahim
Publication year - 2018
Publication title -
jurnal manajemen (edisi elektronik)
Language(s) - English
Resource type - Journals
ISSN - 2301-4628
DOI - 10.32832/jm-uika.v8i1.737
Subject(s) - nonprobability sampling , loan , debtor , business , collateral , agricultural science , statistics , business administration , mathematics , finance , environmental science , debt , population , creditor , demography , sociology
The purpose of this study was to analyze the internal factors rural banks (BPR) and strategies to provide micro-credit to the non-performing loan (NPL). The research was conducted in the BPR Wahana Sentra Artha District Majalengka, Sumedang Regency, Regency Sukabumi and Cirebon Regency of West Java Province. The sampling technique used in this research is purposive sampling technique of data analysis of this study was to test multiple regression and linear regression. Hypothesis testing results show that the internal conditions BPR positive and significant impact on the strategy of credit, debtor conditions positive and significant impact on the strategy of lending, and credit strategies and significant negative effect on the NPL.