ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN BERMASALAH PADA MITRA PEMBIAYAAN PETANI (STUDI KASUS PADA KOPERASI SIMPAN PINJAM SYARIAH BINA INSAN MANDIRI)

Abstract

Abstract : This research aims to identify two subjects ; (1) The predictory variables which statistically significant in affecting the occurence of loan default, (2) The probability value of loan default affected by the occurence of each predictory variables. The statistical method applied in this research is binary logistic regression, which consists of statistical significancy test (including wald test and g-test) and estimation of odd ratio. The analysis involve four predictory variables ; loan diversion, change in business cycle, misrepresentation of financial ability, and managerial issue. The result shows that at the 95% of confidential level, loan diversion is the only predictory variable which statistically and partially significant in affecting the occurence of loan default. The odd ratio’s  value of loan diversion is 3,73, which means the debtors who are commiting the bad deeds has the probability or tendency to experiencing the loan default about 3,73 times higher than those who are not.

Keywords : Binary Logistic Regression, Wald Test, G-Test, Odd Ratio Estimation.