Analisis Faktor-faktor yang Memengaruhi Tunggakan Kredit Usaha Mikro pada Swamitra Koppas Kramat Jati

Abstract

One of the main problems of agricultural in Indonesia is the lack of financial support. The program to overcome this problem is linkage progam that link the bank and micro finance institutions or cooperative. Swamitra Koppas Kramat Jati is one of the micro finance intitutions which contribute of lending to the agribusiness entrepreneurs. This study is focused on analyzing factors that influencing micro credit arrears. Factors that influencing micro credit analysis utilises multiple linier regression analysis with data collected trough questionnaires to the debitur of micro credit agribusines Swamitra Koppas Kramat Jati. Sample to this study was 38 responden with stratified random sampling. In addition to these, results indicate that factors that significant influencing of micro credit arrears and have positive correlations are age, amount of family dependents, and factors with negative correlations are business long-term, status of business location ownership, and period of credit repayment.