Analisis Faktor-Faktor yang Mempengaruhi Pengambilan Kredit KUR Terhadap Pelaku Usaha UMKM Pada Debitur PT. Bank Sulselbar Cabang Jeneponto

Abstract

This study aims to test and analyze the Analysis of Factors Influencing Customers in KUR Credit Decision Making for MSMEs in debtors of PT. BANK SULSELBAR Jeneponto branch. This study was conducted using a quantitative approach method with an associative research type. The quantitative approach was chosen because this study aims to examine the relationship of several variables that are suspected of influencing KUR credit taking by MSMEs. The analysis was carried out based on numerical data obtained from questionnaires and will be analyzed statistically, as well as making conclusions and suggestions. Samples were collected using Random Sampling Technique with a sample size of 222 respondents and processed using SPSS 22. The results of the study show that Based on the results of processing in factor analysis there are nine new factors formed, namely the Visitor Perspective Factor consisting of variables Business Value, Collateral Value, More Than Collateral, Ease of Procedure, Assistance and Guidance, Strategic Location and Location Near Home