Analisis Pembiayaan Bermasalah Pada BMT Assayfi’iyah Kota Gajah

Abstract

The main factors that are taken into consideration before being given financing are external
factors or factors caused by customers consisting of character, capacity, capital, collateral
and conditions and non-performing financing. This study aims to determine the factors that
cause problematic financing at BMT Assayfi'iyah. The research design is a quantitative
descriptive study using a survey method. The object of research is the character, capacity,
capital, guarantee and economic condition of customers with non-performing financing. The
population and research sample are customers with financing problems with the number of
samples taken as many as 55 customers. Data collection techniques using questionnaires.
The analytical tool used is data quality analysis and multiple linear regression analysis with
SPSS program. The results showed that character, capacity, capital, collateral and condition
partially or simultaneously had a positive and significant effect on reducing non-performing
financing. Based on the coefficient values of all research variables, it can be seen that the
most influential factor on non-performing financing is the character factor of the customer