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ANALYSIS OF FACTORS AFFECTING LOAN ON PD BPR BKK PURWOKERTO BANYUMAS REGENCY IN 2011-2014 PERIOD ( Case Study in 24 Branch Offices )
Abstrak (Bhs. Indonesia)
ANALYSIS OF FACTORS AFFECTING LOAN ON PD BPR BKK PURWOKERTO BANYUMAS REGENCY IN 2011-2014 PERIOD ( Case Study in 24 Branch Offices ) SHELLA ALIANDARI HERNANING C1J011021 Economics and International Development Studies Faculty of Economics and Business, Jenderal Soedirman University Keywords: loan distribution as a whole and by type of use, namely: working capital loans, investment loans, and consumer loans, GRDP, inflation, DPK and NPL. In Banyumas there are 25 offices of BPR BKK Purwokerto consisting of 1 KPO (Office Operations Center) and 24 lending offices which is always increasing in billions but when viewed from the growth of Loan is declining in the period of the study 2011-2014, so it needs analysis on factors that affect Loan in BPR BKK Purwokerto because Loan can trigger investment phenomenon. This study aims to analyze the influence of GRDP, inflation, DPK and NPL on total loan and by type of use, namely: working capital Loan, investment Loan and consumption Loan in BPR BKK Purwokerto which includes 24 branches in Banyumas Regency 2011-2014. The data uses secondary data obtained from BPR BKK Purwokerto and Central Statistics Agency (BPS). This study uses panel data regression analysis. The result shows that DPK, inflation and NPL are giving significant effect on Total loans, DPK and NPL are significantly affecting working capital loans, while DPK, GRDP, and inflation are significantly affecting on investment loans, and DPK is significantly affecting on consumer Loan in BPR BKK Purwokerto. Based on the research results, the implication is BPR BKK should be more active in collecting DPK by improving the provision of services such as ATM machines and provide prizes for the consumer. The healthy NPL level is below 5% then the BPR BKK should further enhance the precautionary principle before distributing the Loan. And in order to increase GRDP in Banyumas, BPR BKK should focuses on distribution of Loan for working capital loans and investment loans because the two types of loans are able to produce output such as goods and services.
Abtrak (Bhs. Inggris)
ANALYSIS OF FACTORS AFFECTING LOAN ON PD BPR BKK PURWOKERTO BANYUMAS REGENCY IN 2011-2014 PERIOD ( Case Study in 24 Branch Offices ) SHELLA ALIANDARI HERNANING C1J011021 Economics and International Development Studies Faculty of Economics and Business, Jenderal Soedirman University Keywords: loan distribution as a whole and by type of use, namely: working capital loans, investment loans, and consumer loans, GRDP, inflation, DPK and NPL. In Banyumas there are 25 offices of BPR BKK Purwokerto consisting of 1 KPO (Office Operations Center) and 24 lending offices which is always increasing in billions but when viewed from the growth of Loan is declining in the period of the study 2011-2014, so it needs analysis on factors that affect Loan in BPR BKK Purwokerto because Loan can trigger investment phenomenon. This study aims to analyze the influence of GRDP, inflation, DPK and NPL on total loan and by type of use, namely: working capital Loan, investment Loan and consumption Loan in BPR BKK Purwokerto which includes 24 branches in Banyumas Regency 2011-2014. The data uses secondary data obtained from BPR BKK Purwokerto and Central Statistics Agency (BPS). This study uses panel data regression analysis. The result shows that DPK, inflation and NPL are giving significant effect on Total loans, DPK and NPL are significantly affecting working capital loans, while DPK, GRDP, and inflation are significantly affecting on investment loans, and DPK is significantly affecting on consumer Loan in BPR BKK Purwokerto. Based on the research results, the implication is BPR BKK should be more active in collecting DPK by improving the provision of services such as ATM machines and provide prizes for the consumer. The healthy NPL level is below 5% then the BPR BKK should further enhance the precautionary principle before distributing the Loan. And in order to increase GRDP in Banyumas, BPR BKK should focuses on distribution of Loan for working capital loans and investment loans because the two types of loans are able to produce output such as goods and services.
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