PENGARUH KREDIT USAHA RAKYAT DAN KREDIT MACET TERHADAP PROFITABILITAS PERUSAHAAN PADA PT. BANK NEGARA INDONESIA (PERSERO) TBK KANTOR CABANG POLEWALI

Abstract

This study aims 1) To determine and analyze the effect of people's business credit on profitability at PT. Bank Negara Indonesia (Persero) tbk Polewali Branch Office. 2) To find out and analyze the effect of bad credit on profitability at PT. Bank Negara Indonesia (Persero) tbk Polewali Branch Office This research was conducted at PT. Bank Negara Indonesia (Persero) Tbk. Polewali branch office. The research was conducted to determine the effect of employee credit and people's business credit on the company's profitability at PT. Bank Negara Indonesia. The research was carried out for 2 months. This study uses quantitative data types, namely the data obtained in the form of numbers that can be calculated and related to the problem under study in the form of the company's financial statements at PT. Bank Negara Indonesia. The number of KUR credits and bad debts is channeled, through the company at PT. Bank Negara Indonesia (Persero) tbk. Polewali branch office. This study fully uses secondary data. Secondary data in the form of financial reports that have been processed at PT. Bank Negara Indonesia (Persero) tbk. Polewali branch office. Data analysis was performed using multiple linear regression analysis, normality test, F test, heteroscedasticity test, partial test and the Coefficient of Determination Test (R2). The results of the analysis show that (1) People's Business Credit (KUR) has a positive and significant effect on the profitability of PT. Bank Negara Indonesia (PERSERO) Polewali Branch Office. (2) Bad Credit has a negative and significant effect on the profitability of PT. Bank Negara Indonesia (PERSERO) Polewali Branch Office.