The Influence of External Factors, Customer Character, Duration, and Credit Management Ability on Non-Performing Multipurpose Loans

Abstract

The background to this research is the problem of the number of customers who are in arrears or fail to pay their loans. The debtor fails to carry out its obligations. This research aims to test and determine the influence of external factors, customer character, time period, ability to manage credit on problematic multipurpose loans at BPR Muria Harta Nusantara Cileunyi. The type of research used by the author in this research is quantitative with an associative approach using data collection techniques in the form of observation, interviews, literature studies and questionnaires. The objects of this research are all multipurpose credit customers. The number of respondents in this study was 59 respondents. The results of the study showed that External Factors had a significant effect on Non-Performing Multipurpose Loans by 56%, there was a significant influence that Customer Character had a significant effect on Non-Performing Multipurpose Loans by 59.6%, there was a significant influence that the Term had a significant effect on the Multipurpose Loans that Problematic of 52.5%, there was a significant influence that the Ability to Manage Credit had a significant effect on Non-Performing Multipurpose Loans by 51.4% and simultaneously there was a significant influence between External Factors, Customer Character, Duration, Credit Management Ability on Non-Performing Multipurpose Loans at BPR Muria Harta Nusantara Cileunyi by 71%.