ANALISIS PENGARUH FASILITAS KREDIT, SUKU BUNGA, PENDAPATAN, JAMINAN KREDIT DAN JANGKA WAKTU TERHADAP KELANCARAN PEMBERIAN KREDIT PADA BPR WELERI MAKMUR SURAKARTA

Abstract

The purpose of this study is to analyze the effect of credit facilities on the
smoothness of lending, Analyzing the effect of interest rates on the smooth lending,
Analyzing the effect of income on the smooth lending, Analyzing the effect of credit
guarantees to the smooth lending, Analyzing the influence of credit period to the
smooth credit payments . Are all variables compatible with SPI. The object of this
research is BPR Waleri Makmur Surakarta. This study uses questionnaires given to
employees of BPR Waleri Makmur Surakarta on credit. Data analysis techniques use
descriptive data analysis. Based on the results of research on BPR Waleri Makmur
Surakarta can be concluded that: The smoothness of credit provision in BPR Waleri
Makmur Surakarta has been in accordance with the SPI. This is supported by the
questionnaire based on the assessment criteria, for all variable of credit facility
76,16%, interest rate 77,00%, income 91,83%, credit guarantee 76,92%, credit
period 76,46% and smoothness of giving Credit 88,88%. Thus the internal control is
very effective and the influential SPI element in this case is the organizational
structure that separates the functional responsibilities explicitly, the authority system
and the procedure of recording and healthy practices in performing the duty towards
the smooth lending of BPR Waleri Makmur Surakarta.
Keywords: Credit facility, interest rate, income, credit guarantee, credit terms, credit
payment