PENGARUH FAKTOR FAKTOR INTERNAL DAN EKSTERNAL PERBANKAN TERHADAP STRATEGI PEMBERIAN KREDIT SEBAGAI UPAYA DALAM MEMINIMALKAN NILAI NPL (STUDI KASUS BANK BANK YANG BEROPERASI DI KOTA BENGKULU)
| Main Authors: | Anggraini, Gama Risti, Kamaludin, Kamaludin, Prabawa, Sri Adji |
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| Format: | Article PeerReviewed Book |
| Bahasa: | eng |
| Terbitan: |
Program Magister Manajemen Universitas Bengkulu
, 2014
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| Subjects: | |
| Online Access: |
http://repository.unib.ac.id/7125/1/Vol%2015%20No%205%20gb.pdf http://repository.unib.ac.id/7125/ |
Daftar Isi:
- The first purpose of thi s study is determining internal and external factors to the influen c e of the banking and le n d i n g strategies and the second is det ermin in g fa ctors of lending strategi es that can mini mize th e value of NPL. Th e research metho d us ed is inferentia l analysis to determine the relations h ip betw een variables and in d i cat o r s , in this step, the method us ed is SEM approach. The va riable inter n al bank amount of inf luence on Lending Strategy was 0.82 , each of the indicators of the Internal Bank as: mastery of tech n ology, Lendin g Requiremen ts, co m p et e n c e Accoun ts Officers , loa n co llecti on, and the involvemen t of s hareholders , ea ch aff ect in g at 0.68 , 0.64 , 0.60 , 0.57 , and 0.51 . External variables influen ce th e magnitude of the Bank Lending Strategies of 0.07 . Each indicator for EB variable effect : geographical factor s (0 .34) , state politica l situation (0.3 2), develo pmen t of the nat i onal economy (0.27), and bank competiti on (0.2 4). Priorities for the prepara tion of Len d ing Strategies: inter es t rate (0.7 2), loan terms (0 .59) , supply of credit (0 . 5 5 ) and Infor mation and Communi cation (0.51).