Persada, Jantera Azimat (2016) PENGARUH PERSONALITY, PAYMENT, DAN PROTECTION TERHADAP PEMBIAYAAN BERMASALAH DI PT. BPR SYARIAH HARTA INSAN KARIMAH PARAHYANGAN. S1 thesis, Universitas Pendidikan Indonesia.
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Abstract
Salah satu permasalahan yang di hadapi oleh lembaga perbankan tak terkecuali Bank Pembiayaan Rakyat Syariah ialah pembiayaan bermasalah. Penelitian ini bertujuan untuk mengetahui bagaimana gambaran umum nasabah yang memiliki pembiayaan bermasalah kemudian untuk mengetahui apakah faktor personality (kepribadian), payment (sumber pembayaran), dan Protection (jaminan) mempengaruhi pembiayaan bermasalah pada BPR Syariah Harta Insan Karimah Parahyangan. Metode penelitian yang digunakan adalah metode eksplanatori. Populasi penelitian adalah nasabah yang memiliki pembiayaan bermasalah dengan jumlah sampel sebanyak 54 orang nasabah. Teknik pengambilan sampel menggunakan purposive sampling dengan teknik analisis data regresi linier berganda. Hasil penelitian menunjukkan bahwa nasabah yang memiliki pembiayaan bermasalah sebagian besar berada pada usia 32-44 tahun, dengan jenis kelamin perempuan, lulusan pendidikan tinggi jenjang SMA-Sarjana, memiliki tanggungan 3 orang, memiliki usaha berdagang namun bukan jasa, pakaian, kelontongan dan Sembako, memiliki pengalaman usaha di bawah 10 tahun, dengan tujuan pembiayaan adalah untuk modal usaha, memiliki tunggakan selama 6-9 bulan, memiliki penghasilan antara 4-6 juta rupiah per bulan, nilai jaminan 45-80 juta rupiah yang berupa rumah tempat tinggal dengan nilai pembiayaan bermasalah 2-15 juta. Kemudian payment berpengaruh negatif terhadap pembiayaan bermasalah dan protection berpengaruh positif terhadap pembiayaan bermasalah, sementara personality tidak berpengaruh terhadap pembiayaan bermasalah. Kata Kunci: Pembiayaan Bermasalah, Personality, Payment, Protection One of the problems faced by banking institutions are no exception for Sharia Public Financing Bank is non performing financing. This study aims determine how the general picture of customers who have non performing financing and then to determine whether the factor of personality, payment (the source of payment), and protection (guarantee) affect the non performing financing in BPR Syariah Harta Insan Karimah Parahyangan. The research method used explanatory method. The study population was customers who have non performing financing of a total sample as much as 54 customers. The sampling technique used was purposive sampling with multiple linear regression data analysis techniques. The results showed that customers who have non performing financing mostly at the age of 32-44 years, with the female gender, higher education graduates (high school-graduate), has 3 people dependant family, has a merchant but not services, clothing, kelontongan and groceries, have business experience under 10 years, with the aim of financing is for business capital, have arrears of 6-9 months, have an income of between 4-6 million per month, the value of collateral 45-80 million in the form of a household with the value of financing problematic 2-15 million.Then payment has negative effect on non performing financing and protection has positive effect on non performing financing, while personality does not has any effect on non performing financing. Keywords: Non Performing Financing, Personality, Payment, Protection
| Item Type: | Thesis (S1) |
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| Additional Information: | No. Panggil: S_PEK_PER_p-2016; Pembimbing : I. H. Yayat Achdiat, II. Ani Pinayani |
| Uncontrolled Keywords: | Pembiayaan Bermasalah, Personality, Payment, Protection |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor L Education > L Education (General) |
| Divisions: | Fakultas Pendidikan Ekonomi dan Bisnis > Pendidikan Ekonomi |
| Depositing User: | Mr. Cahya Mulyana |
| Date Deposited: | 23 Apr 2018 03:17 |
| Last Modified: | 23 Apr 2018 03:17 |
| URI: | http://repository.upi.edu/id/eprint/30121 |
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