ANALISIS FAKTOR YANG MEMPENGARUHI KREDIT MACET PADA PT. CLIPAN FINANCE CABANG KENDARI

Abstract

This study aims to identify and explain the influence of external factors on bad loans at PT. Clipan Finance Kendari
branch. Several factors that affect bad debts, namely the element of intent committed by the customer and the element of accident committed by the customer. Bad loans are measured based on several indicators, including: substandard, doubtful and loss. The population in this study were customers of PT. Cllipan Finance Kendari City Branch. The sample was selected using the accidental method, based on the population members met by the researcher and willing to become respondents to be used as samples. The analytical method used in this research is simple linear regression. The results showed that the company's external factors had a significant effect on bad loans, the higher the company's external factors, the higher the occurrence of bad loans. This is because customers do not have the will to fulfill their obligations so that bad loans occur