ANALISIS PENYALURAN KREDIT MIKRO DI ACEH UTARA STUDI KASUS PADA BRI UNIT KRUENG MANE CABANG LHOKSEUMAWE

andriyani, devi (2016) ANALISIS PENYALURAN KREDIT MIKRO DI ACEH UTARA STUDI KASUS PADA BRI UNIT KRUENG MANE CABANG LHOKSEUMAWE. Seminar Nasional Ekonomi -IV, 1 (4). ISSN 978-602-14708-2-4

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Abstract

The research based on the decrease of credit distribution, which suggested that intermediation function of the bank is not functioning well. The focus of this research is on BRI Krueng Mane unit on agency BRI Lhokseumawe located in Countryside of Mane Tunong District Muara Batu Sub-Province Aceh North Province Aceh. This Research was conducted to determine the effect of credit interest rate of BRI unit, dominant debtors and collateral towards total credit realization with internal data of BRI since January 2006 up to December 2010. The data analytic with multiple regression and correlation with t statistic test and F statistic test. From result of calculation got Correlation coefficient ( R) 0,949 its Meaning credit interest rate of BRI unit, collateral and dominant debtors have hand in glove relation with total credit realization. While coefficient of determinasi ( R2) 0.901. Its meaning 90% change in the total credit realization can be explained by change in credit interest rate of BRI unit, collateral and dominant debtors. and pursuant to test of t test and F test known that there is influence which signifikan effect between credit interest rate of BRI unit, collateral and dominant debtors to amount of realized credit

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