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

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