FAKTOR - FAKTOR YANG MENENTUKAN TINGKAT KEMAMPUAN PENGEMBALIAN KREDIT UMKM KABUPATEN INDRAGIRI HILIR PROVINSI RIAU

Abstract

This Research was conducted in the distric of Riau Province Indragiri Hilir in 2016, and the object of this research is Micro, Small and Medium scale business (SME) with consideration of many SME that received loan for business development and to increase the prosperity. This research aims to find out the influence of business capital, the labors and the turnover of business with ability of credit repayment. The independent variable used in this research were business capital, labors, and the turnover of bussines, and the dependent variable is ability of credit repayment. Population used in the research is Micro, Small, Medium scale business (SME) at Indragiri Hilir district, in 2015, where the amount of sample were 99 samples of SME. The technique of sampling used was accidental sample. The analysis used in ths research was regression logistic analysis by using SPSS program application 21,0. The result of this research showed that business capital and the turnover of business had a positive influence and significant to the ability of credit repayment, meanwhile, the labors had a negative influence and significant.

Keywords : SME, Capital, Labors, Turnover and Ability of Credit Repayment