Desi Rahmiyanti

ANALISIS FAKTOR-FAKTOR PENYEBAB TERJADINYA KREDIT MACET PADA KOPERASI SIMPAN PINJAM (KSP) RANAKA SEJAHTERA BERSAMA KUPANG

Introduction

Analisis faktor-faktor penyebab terjadinya kredit macet pada koperasi simpan pinjam (ksp) ranaka sejahtera bersama kupang. Analisis faktor internal dan eksternal penyebab kredit macet di KSP Ranaka Sejahtera Bersama Kupang. Studi kuantitatif ini mengungkap pengaruh signifikan terhadap pinjaman bermasalah.

Abstract

This research aims to find out the internal and external factors that cause bad credit at the Ranaka Sejahtera Bersama Kupang Savings and Loans Cooperative (KSP). The research menthod used is descriptive quantitative using a questionnaire as a data colletion instrument. The type of data collected is quantitative data with primary data sources. The population in the study was 98 respondents in the bad credit status. Sampling was carried out using the purposive sampling menthod. Data analysis was carried out using multipe linear regression analysis with the help of SPSS version 22. The research results show that internal factors have a t count of 1.754> t tabel of 1.661 with a sig value of 0.04<0.05 so it can be concluded that there is a positive and significant influence of internal factors on bad credit. External factors have a t count of 1.846> t tabel of 1.661 with a sig value 0.00<0.05 so it can be concluded that there is a positive and significant influence of external factors on bad credit simultaneously, internal and external factors have a calculated F of 22.378> F tabel of 3.941 with a sig value. 0.00<0.05 so it can be concluded that there is a positive and significant influence of internal factors and external factors simultaneously on bad credit. Keybords: bad credit factors, bad credit

Review

The submitted paper, "ANALISIS FAKTOR-FAKTOR PENYEBAB TERJADINYA KREDIT MACET PADA KOPERASI SIMPAN PINJAM (KSP) RANAKA SEJAHTERA BERSAMA KUPANG," addresses a highly relevant and practical issue concerning bad credit within Savings and Loans Cooperatives. The stated aim to identify both internal and external contributing factors is clear and important for the financial health of such institutions. The abstract outlines a descriptive quantitative methodology, employing questionnaires for primary data collection from a specific population of 98 respondents with bad credit status. The choice of purposive sampling and the use of multiple linear regression analysis with SPSS version 22 appear appropriate for the research questions posed. The research effectively demonstrates that both internal and external factors exert a statistically significant influence on bad credit, both independently and simultaneously. Specifically, the abstract reports that internal factors (t-count 1.754 > t-table 1.661, sig 0.04 < 0.05) and external factors (t-count 1.846 > t-table 1.661, sig 0.00 < 0.05) individually show a positive and significant impact. Furthermore, the combined effect of internal and external factors is also significant (F-count 22.378 > F-table 3.941, sig 0.00 < 0.05). While the methodology is initially described as "descriptive quantitative," the core analysis relies on inferential statistics to establish causal relationships, which is a strength. It would be beneficial for the full paper to elaborate on the specific aspects of these internal and external factors that contribute to this "positive" influence. Overall, this research offers valuable insights into the determinants of bad credit within KSP Ranaka Sejahtera Bersama Kupang. The findings contribute to the understanding of financial risks in cooperative settings and provide a strong empirical basis for potential remedial actions or policy adjustments. The robust statistical analysis strengthens the conclusions drawn regarding the significance of both factor groups. This study holds significant practical implications for KSP management seeking to mitigate bad credit occurrences and improve financial stability, making it a solid contribution to the literature on cooperative finance and credit risk management.

Full Text

Comments

You need to be logged in to post a comment.