ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT AKSEPTABILITAS PEMBERIAN KREDIT KONSUMTIF PADA PT BANK MANDIRI (PERSERO) TBK. CABANG BANJARMASIN

Abstract

The purpose of this study was to: (1) identify and analyze the factors 5-C's which consists of Character, Capacity, Capital, Collateral, Condition of Economy simultaneously to the level of acceptability consumptive lending at PT Bank Mandiri (Persero) Tbk. branch Banjarmasin, (2) identify and analyze the influence factors of the 5-C's which consists of Character, Capacity, Capital, Collateral, Condition of Economy partially on the level of acceptability consumptive lending at PT Bank Mandiri (Persero) Tbk. Branch Banjarmasin and (3) determine the factors 5-C's that predominantly affects the level of acceptability of consumer lending at PT Bank Mandiri (Persero) Tbk. branch Banjarmasin. This research is a quantitative and descriptive type of research is explanatory research. The population is the debtor's mortgage and consumptive lending Multiguna KPR and Individual, while the number of samples in this study are set by 99 respondents. Techniques for determining sample using purposive sampling method. Source of data using primary and secondary data. The technique of collecting data through surveys and questionnaires. Data analysis was performed using multiple regression method. Based on the results of the analysis showed that simultaneous or simultaneous significant influence factor of Character, Capacity, Capital, Collateral, and Conditions of Economy of the level of acceptability of consumptive lending at PT Bank Mandiri (Persero) Tbk. Branch Banjarmasin. Variable Character, Capacity, Capital, Collateral, and Conditions of Economy jointly contribute / donations amounting to 74.2% of the level of acceptability of consumptive lending at PT Bank Mandiri (Persero) Tbk. Branch Banjarmasin. Partially five factors 5-C's which consisted of Character, Capacity, Capital, Collateral, and Conditions of  Economy significant influence on the level of acceptability of consumptive lending at PT Bank Mandiri (Persero) Tbk. Branch Banjarmasin. Character is the dominant factor affecting the level of acceptability of consumptive lending at PT Bank Mandiri (Persero) Tbk. Branch Banjarmasin.