Faktor-Faktor yang mempengaruhi realisasi pembiayaan Kupedes iB (studi kasus Bank BRI Syariah Kantor Cabang Pembantu Cibinong Bogor)

Abstract

Micro, Small and Medium Enterprises (SMEs) is a business sector that has been shown to play a strategic role in overcoming the economic crisis ever hit Indonesia in 1997. On the other hand, SMEs and the informal sector has also been able to contribute to national economic growth. BRI KCP Cibinong Shariah is one of the banks that focus on working through the SME segment Kupedes iB program. But after running for 3 years, the average portfolio iB Kupedes KCP Cibinong tends to decrease. This study aimed to analyze the characteristics of the debtor and the factors that affect the realization of Kupedes iB financing. The analysis method used in this research is multiple linear regression prediction model evaluation approaches, test models and statistical tests of significance ttest. The results of the study explained that there are four independent variables are positive significant effect on the dependent variable: (1) the long-running business. (2) business revenue. (3) Other income outside the business (4) the rest of the mortgage loan.