ALISIS VARIABEL YANG MEMPENGARUHI TINGKAT PENGEMBALIAN KREDIT UMKM PADA PROGRAM KEMITRAAN DAN BINA LINGKUNGAN (STUDI PADA PT. PELABUHAN INDONESIA III SURABAYA)

Abstract

This research purposed to know the repayment credit on partnerhip
and enviroment development  program in PT Pelabuhan Indonesia III. This
study measure influence  variabel of loan amount, interest rate, monthly
installments and and length of time against  repayment credit. This study uses
explanatory quantitative method. The data used on this study is primary data
obtained from interview section and secondary data obtained  from PT
Pelabuhan Indonesia III. The result show that during last four years repayment
credit  was low. Today, from outcome of SPSS application sees that loan
amount, interest rate, monthly installments and and length of time variabels has
a leverage againts repayment credit as a simultaneous. But as a partial, only an
interest rate did not has a significant influence against repayment credit. It also
known that loan amount is the most influential variabel against repayment
credit. Ultimate causes low level of repayment credit is about lack of awareness
of partners to pay its obligations on the loan granted. Besides, theres no
punishmens for partners who not repaid their debt on time.
Keywords : Repayment credit, Partnership and Enviroment Development