Pengaruh Konsep 5C terhadap Keputusan Pemberian Kredit pada Unit Usaha Simpan Pinjam KUD Karya Mukti Kuamang Kuning Muara Bungo

Abstract

The purpose of this study was to determine the effect of the 5C concept on the loan decision at the KUD Karya Mukti Kuamang Kuning Savings and Loan Business Unit. The population in this study were all members of the KUD Karya Mukti Village as many as 1,522 people. Meanwhile, the sample in this study was determined by the Slovin formula with a significant α of 10% (0.1) as many as 94 respondents. The analysis used is multiple linear regression analysis with the help of the SPSS program version 20. The results of this study indicate that simultaneously the 5C concept has a significant effect on the loan decision on KUD Karya Mukti Savings and Loan Business Unit in Kuamang Kuning. The partial test results show that the character variable has a significant effect on loan decision, variable capacity has no significant effect on loan decision, variable capital has no significant effect on loan decision with, the collateral variable has a significant effect on the decision to give credit, the variable condition of economy has a significant effect on loan decision.

Tujuan penelitian ini adalah untuk mengetahui pengaruh antara pengaruh konsep 5C terhadap keputusan pemberian kredit pada Unit Usaha Simpan Pinjam KUD Karya Mukti di Kuamang Kuning. Populasinya adalah seluruh anggota Koperasi Unit Desa Karya Mukti sebanyak 1522 anggota. Sementara itu, sampel dalam penelitian ini ditetapkan dengan rumus Slovin dengan signifikan α 10% (0,1) sebanyak 94 responden. Analisis yang digunakan adalah analisis regresi linier berganda dengan bantuan program SPSS versi 20. Hasil dari penelitian ini menunjukkan bahwa secara simultan konsep 5C berpengaruh signifikan terhadap keputusan pemberian kredit pada Unit Usaha Simpan Pinjam KUD Karya Mukti di Kuamang Kuning. Hasil uji secara parsial menunjukkan bahwa variabel character berpengaruh signifikan terhadap keputusan pemberian kredit, variabel capaciy tidak berpengaruh signifikan terhadap keputusan pemberian kredit, variabel capital tidak berpengarh signifikan terhadap keputusan pemberian kredit, variabel collateral berpengaruh signifikan terhadap keputusan pemberian kredit, variabel condition of economy berpengaruh signifikan terhadap keputusan pemberian kredit.