BANK DECISION FACTORS ANALYSIS IN GIVING CREDIT SMALL MEDIUM ENTERPRISES (SMEs) (Case Study at PT. Bank Rakyat Indonesia (Persero) Tbk
| Main Author: | Yuda, Amanda Dhani Previa |
|---|---|
| Format: | Article application/pdf eJournal |
| Bahasa: | eng |
| Terbitan: |
Fakultas Ilmu Administrasi Universitas Brawijaya
, 2013
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| Online Access: |
http://administrasibisnis.studentjournal.ub.ac.id/index.php/jab/article/view/132 |
Daftar Isi:
- The result is gathered from PT. Bank BRI Unit Office Klojen Malang’s decision in giving out the credit for Small Medium Enterprises (SMEs). In cases where that factor is a variable of credit collateral value amounts 0,000 < Alpha score (0,05) which can not refuse Ho, that there is a significant influence between credit collateral value toward the decision of giving the credit for Small Medium Enterprises (SMEs). The variable types of business amounts 0,004 < Alpha score (0,05), then can refuse Ho, that there is a significant influence between the variable types of business toward the decision of giving the credit for Small Medium Enterprises (SMEs). Firm age variable itself amounts 0,005 < Alpha score (0,05), then can refuse Ho, that there is a significant influence between firm age variable toward the decision of giving the credit for Small Medium Enterprises (SMEs). Sales revenue variable amounts 0,007 < Alpha score (0,05), which can refuse Ho, that there is a significant influence between sales revenue variable toward the decision of giving the credit for Small Medium Enterprises (SMEs). Net income variable amounts 0,004 < Alpha score (0,05), which can refuse Ho, that there is a significant influence between net income variable toward the decision of giving the credit for Small Medium Enterprises (SMEs). Keywords: 5 variables, bank’s decision in giving the credit, logistic regression