PENGARUH JANGKA WAKTU PINJAMAN DAN STATUS PEKERJAAN TERHADAP TINGKAT KELANCARAN PENGEMBALIAN KREDIT

Amelia Anwar; Nety Kumalasari; Agung Rachmadi

doi:10.36448/jmb.v13i2.4264

PENGARUH JANGKA WAKTU PINJAMAN DAN STATUS PEKERJAAN TERHADAP TINGKAT KELANCARAN PENGEMBALIAN KREDIT

Amelia Anwar, Nety Kumalasari, Agung Rachmadi

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh jangka waktu pinjaman dan status pekerjaan terhadap tingkat kelancaran pengembalian kredit di PT Pegadaian Syariah. Jangka waktu pinjaman dan status pekerjaan merupakan faktor yang dapat mempengaruhi kemampuan peminjam dalam mengembalikan pinjaman secara tepat waktu. Penelitian ini menggunakan metode analisis data sekunder, dimana data yang digunakan adalah data historis pinjaman di PT Pegadaian Syariah. Variabel yang diamati meliputi jangka waktu pinjaman, status pekerjaan, dan tingkat kelancaran pengembalian kredit. Data dianalisis menggunakan teknik regresi statistik untuk mengidentifikasi hubungan antara variabel-variabel tersebut. Hasil penelitian menunjukkan bahwa jangka waktu pinjaman memiliki pengaruh signifikan terhadap tingkat kelancaran pengembalian kredit. Selain itu, status pekerjaan juga memiliki pengaruh signifikan terhadap tingkat kelancaran pengembalian kredit.

Keywords

Jangka Waktu Pinjaman, Status Pekerjaan, Tingkat Kelancaran Pengembalian Kredit

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DOI: http://dx.doi.org/10.36448/jmb.v13i2.4264