Abstract
The aim of this research was to analyze the effect of Influence of Preventive Control of Credit and Repressive Control of Credit to the health of PT. Bukopin Bank Tbk, sub branch office of Cendrawasih, Makassar City. The researcher used questionnare as a technique of data collection and used technique of data analysis of multiple linear regression. The population of this research was 50 participants and the number of samples were all the populations 50 people. The result of this research showed that Preventive Control of Credit and Repressive Control of Credit influenced to the health of bank simultaneously, where the testing result was got F 8,144 > F table 3,20. The result had been got partially showed Preventive Control of Credit was significant to the health of bank by looking at t 3,987 > t table 1,677 and sig 0,000 < 0,05 while Repressive Control of Credit was not significant to the health of bank by looking at t 0,067 < t table 1,677 and sig 0,947 > 0,05, and coefficient of determination (adjust R2) showed independent variable of percentage can influence independent variable was 25,7%, so the balance was 74,3% affected by the other variable that not researched in this research.
Highlights
The aim of this research was to analyze the effect of Influence of Preventive Control
The result of this research showed that Preventive Control of Credit
Repressive Control of Credit influenced to the health of bank
Summary
Banyak bank yang menyediakan pinjaman (lending), salah satunya adalah PT. Bank Bukopin, Tbk. Dengan demikian apabila resiko dalam pemberian kredit ini pihak bank harus melakukan pengamanan yang bertujuan untuk memperkecil atau mengurangi resiko tersebut agar tidak terjadi kredit macet (Murdiyanto, 2017). Dalam mengurangi resiko yang akan timbul dalam proses pemberian kredit macet, perusahaan bisa memperketat dan mengevaluasi prosedur yang digunakan untuk pengkreditan, dengan cara melakukan pengendalian internal. Dan Repressive Control of Credit, adalah pengendalian kredit yang dilakukan melalui tindakan penagihan/penyelesaian setelah kredit tersebut macet. Maka Bank Bukopin harus melakukan pengendalian kredit untuk menghindari terjadinya kredit macet. Preventive control of credit adalah pengendalian kredit yang dilakukan dengan tindakan pencegahan sebelum kredit tersebut macet. Repressive control of credit adalah pengendalian kredit yang dilakukan melalui tindakan penagihan/penyelesaian setelah kredit tersebut macet. Repressive control of credit adalah tindakan pengamanan atau penyelesaian kredit macet dengan cara rescheduling, reconditiong, restructuring, dan liquidation. Menganalisis data kuantitatif, maka ada 3 hal yang dilakukan dalam penelitian ini, yaitu: 1) analisis regresi linear berganda, 2) Uji Simultan (Uji F), 3) Uji Parsial (Uji t), dan 4) Analsisis Koefisien Determinasi (R2)
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