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ANALISIS PENGARUH SUKU BUNGA PINJAMAN DAN JUMLAH NASABAH USAHA MIKRO KECIL DAN MENENGAH TERHADAP PENGUCURAN KREDIT OLEH PERUSAHAAN DAERAH. BANK PENGKREDITAN RAKYAT BAHTERAMAS KENDARI

Business UHO: Jurnal Administrasi Bisnis · Vol. 1 No. 2 (2016) · pp. 385–396

DOI
10.52423/bujab.v1i2.9589
ISSN
2503-1406
Published
2016-11-10
Publisher
Universitas Halu Oleo
Language
eng
License
creativecommons.org/licenses/by/4.0

Abstract

The purpose of this study is to determine the effect of Loan Interest Rates and the Number of MSME Customers simultaneously and partially on credit distribution by PD. BPR Bahteramas Kendari. The analytical tool used in this study is multiple linear regression to obtain a comprehensive picture of the relationship between one variable with another variable.The results showed the dependent variable (Y) was lending, the independent variable X1 was the loan interest rate and X2 was the number of MSME customers, known that the constant value was -11425,192 which meant that if there were no changes in interest rates and the number of MSME customers the credit distribution would decrease by Rp.11,425,192. Interest coefficient X1 = 416,093 which means that every 1 percent increase in interest rates will raise credit by Rp.416,093 million assuming other variables are considered constant. Furthermore, the coefficient of the number of MSME customers with a value of X2 = 53.311, which means that each increase in the number of MSME customers will increase MSME loans by Rp. 53,311 million assuming other variables are considered constant.ABSTRAKTujuan dari penelitian ini yaitu untuk mengetahui pengaruh Suku Bunga Pinjaman dan Jumlah Nasabah UMKM secara simultan dan parsial terhadap penyaluran kredit oleh PD. BPR Bahteramas Kendari. Alat analisis yang digunakan dalam penelitian ini adalah regresi linier berganda untuk memperoleh gambaran yang menyeluruh mengenai hubungan antara variabel satu dengan variabel lain.Hasil penelitian menunjukan variabel dependen (Y) adalah penyaluran kredit, variabel independen X1 adalah suku bunga pinjaman dan X2 adalah jumlah nasabah UMKM, diketahui nilai constantanya -11425.192 yang berarti bila tidak ada perubahan dalam suku bunga dan jumlah nasabah UMKM maka penyaluran kredit akan berkurang sebesar Rp.11.425.192. Koefisien suku bunga X1 = 416,093 yang berarti setiap kenaikan suku bunga sebesar 1 persen maka akan menaikan kredit sebesar Rp.416.093 juta dengan asumsi variabel lain dianggap konstan. Selanjutnya koefisien jumlah nasabah UMKM dengan nilai X2 = 53,311 yang berarti setiap pertambahan jumlah nasabah UMKM maka akan meningkatkan kredit UMKM sebesar Rp.53.311 juta dengan asumsi variabel lain dianggap konstan.

Keywords

Collaboration network of the authors

40 authors · 167 co-authorship links · 17 across different organisations · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Universitas Halu Oleo
  • Universitas Muhammadiyah Parepare
  • Institut Agama Islam Negeri Kendari
  • Indonesia Open University
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Sahrun SahrunAffiliation unknown7
Jopang JopangUniversitas Halu Oleo6
Muh. YusufUniversitas Halu Oleo6
Liwaul LiwaulUniversitas Halu Oleo5
Zulfiah LarisuUniversitas Halu Oleo4
Mustakim MustakimUniversitas Muhammadiyah Parepare4
Eko HariantoIndonesia Open University3
Candra Puspita NingtyasAffiliation unknown3
Eka SuaibUniversitas Halu Oleo3
Nurjannah NurjannahInstitut Agama Islam Negeri Kendari3
Gunawan GunawanAffiliation unknown3
Jamal BakeAffiliation unknown3
Muhammad AmirUniversitas Halu Oleo3
Muh AmirUniversitas Halu Oleo3
Akhyar AbdullahUniversitas Halu Oleo3
Asriani AsrianiUniversitas Halu Oleo2
La Ode MustafaAffiliation unknown2
Muhammad YusufUniversitas Halu Oleo2
Adrian TawaiUniversitas Halu Oleo2
Abdul KadirUniversitas Halu Oleo2
Suryani BBAffiliation unknown2
Sartono SartonoUniversitas Halu Oleo2
Ninik Endang PurwatiAffiliation unknown2
Adelisna AdelisnaUniversitas Halu Oleo1
La Ode Muhammad ElwanUniversitas Halu Oleo1
La TarifuUniversitas Halu Oleo1
Sumadi DillaUniversitas Halu Oleo1
Muh NasirUniversitas Halu Oleo1
Rekha Adji PratamaAffiliation unknown1
Kartika Dwi SuryaningrumAffiliation unknown1
Riskha Amalia BaharAffiliation unknown1
Faturachman Alputra SudirmanUniversitas Halu Oleo1
Muhammad Nikmat JoharAffiliation unknown1
Wa Ode SrijunaAffiliation unknown1
La Ode JamilAffiliation unknown1
Marsuki IswandiAffiliation unknown1
Yusuf DaimuAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://ojs.uho.ac.id/index.php/BUSSINESUHO/oai, first harvested 31 Okt 2026, last seen 1 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">ANALISIS PENGARUH SUKU BUNGA PINJAMAN DAN JUMLAH NASABAH USAHA MIKRO KECIL DAN MENENGAH TERHADAP PENGUCURAN KREDIT OLEH PERUSAHAAN DAERAH. BANK PENGKREDITAN RAKYAT BAHTERAMAS KENDARI</dc:title>
	<dc:creator>Angga, Jafar</dc:creator>
	<dc:creator>utha, arifin</dc:creator>
	<dc:creator>kambolong, makmur</dc:creator>
	<dc:subject xml:lang="en-US">Administrasi Bisnis</dc:subject>
	<dc:subject xml:lang="en-US">Credit, Interest Rates, SMEs</dc:subject>
	<dc:description xml:lang="en-US">The purpose of this study is to determine the effect of Loan Interest Rates and the Number of MSME Customers simultaneously and partially on credit distribution by PD. BPR Bahteramas Kendari. The analytical tool used in this study is multiple linear regression to obtain a comprehensive picture of the relationship between one variable with another variable.The results showed the dependent variable (Y) was lending, the independent variable X1 was the loan interest rate and X2 was the number of MSME customers, known that the constant value was -11425,192 which meant that if there were no changes in interest rates and the number of MSME customers the credit distribution would decrease by Rp.11,425,192. Interest coefficient X1 = 416,093 which means that every 1 percent increase in interest rates will raise credit by Rp.416,093 million assuming other variables are considered constant. Furthermore, the coefficient of the number of MSME customers with a value of X2 = 53.311, which means that each increase in the number of MSME customers will increase MSME loans by Rp. 53,311 million assuming other variables are considered constant.ABSTRAKTujuan dari penelitian ini yaitu untuk mengetahui pengaruh Suku Bunga Pinjaman dan Jumlah Nasabah UMKM secara simultan dan parsial terhadap penyaluran kredit oleh  PD. BPR Bahteramas Kendari. Alat analisis yang digunakan dalam penelitian ini adalah regresi linier berganda untuk memperoleh gambaran yang menyeluruh mengenai hubungan antara variabel satu dengan variabel lain.Hasil penelitian menunjukan variabel dependen (Y) adalah  penyaluran kredit, variabel independen  X1 adalah suku bunga pinjaman dan X2 adalah jumlah nasabah UMKM, diketahui nilai constantanya -11425.192 yang berarti bila tidak ada perubahan dalam suku bunga  dan jumlah nasabah UMKM maka penyaluran kredit  akan berkurang  sebesar Rp.11.425.192. Koefisien suku bunga X1 = 416,093 yang berarti setiap kenaikan suku bunga sebesar 1 persen maka akan menaikan kredit sebesar Rp.416.093 juta dengan asumsi variabel lain dianggap konstan. Selanjutnya  koefisien jumlah nasabah UMKM dengan nilai X2 = 53,311 yang berarti setiap pertambahan jumlah nasabah UMKM maka akan meningkatkan kredit UMKM sebesar Rp.53.311 juta dengan asumsi variabel lain dianggap konstan.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Halu Oleo</dc:publisher>
	<dc:contributor xml:lang="en-US"></dc:contributor>
	<dc:date>2016-11-10</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:type xml:lang="en-US">Quantitative</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ojs.uho.ac.id/index.php/BUSSINESUHO/article/view/9589</dc:identifier>
	<dc:identifier>10.52423/bujab.v1i2.9589</dc:identifier>
	<dc:source xml:lang="en-US">Business UHO: Jurnal Administrasi Bisnis; Vol 1, No 2 (2016): Business UHO: Jurnal Administrasi Bisnis; 385-396</dc:source>
	<dc:source>2503-1406</dc:source>
	<dc:source>10.52423/bujab.v1i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ojs.uho.ac.id/index.php/BUSSINESUHO/article/view/9589/6802</dc:relation>
	<dc:coverage xml:lang="en-US"></dc:coverage>
	<dc:coverage xml:lang="en-US"></dc:coverage>
	<dc:coverage xml:lang="en-US"></dc:coverage>
	<dc:rights xml:lang="en-US">Copyright (c) 2019 Jafar Angga, arifin utha, makmur kambolong</dc:rights>
	<dc:rights xml:lang="en-US">http://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>