FAKTOR-FAKTOR YANG MEMPENGARUHI REALISASI KREDIT PADA USAHA AGRIBISNIS (Studi Kasus Pada Koperasi Kodanua, Jakarta Barat)

Abstract

This study aims to (1) determine what factors affect the realization of credits from Kodanua Cooperative, (2) determine how much these factors affect the realization of credits, and (3) determine whether together these factors have influences on the realization of credits. This research was conducted in Kodanua Cooperative, Latumenten West Jakarta. A number of 102 respondents who had business in the field of agribusiness and actively borrowed money in the cooperative was interviwed . Data processing was done by using multiple linear regression through SPSS 21. The result showed that (1) the factors that affect the realization of credits are characters, capacities, capitals, conditions, and collaterals, (2) characters affect credits at the confidence level of 75%, capacities affect at the 90% confidence level, capitals affect at the 99% confidence level, conditions affect at the 90% confidence level, and guarantees affects at the 99% confidence level, and (3) these factors jointly affect credits at 95% confidence level.