Faktor-Faktor yang Mempengaruhi Tingkat Pengembalian Kredit UMKM BRI unit Ciampea Bogor

Abstract

UMKM especially in agribusiness sector is one of business sector that often be found and have a big contribution in Indonesia. However, it still can’t reflect the sector's growth has been good because it is influenced by several factors. One of that factor is how difficult to access capital through loans from financial institutions because it is considered the agribusiness sector has a high risk. This research identify the characteristic of UMKM credit debtors generally in agribusiness sector that repay their debt or have arrear payment and analyze the factors affecting UMKM credit repayment in agribusiness sector. Regression logistic method show that repayment at BRI unit Ciampea is significantly influenced by education level, number of dependent , and collateral value. Bank as a creditor has to concentrate to analyze right on target the characteristic of the debtors that notify the individual characteristic, business characteristic, and credit characteristic to decrease the number of credit arrears.