Analysis of The Factors That Affect The Repayment Rates KUR Micro (Case Study: PT. BRI Unit Ciampea, Bogor)

Abstract

Small and medium micro businesses generally have limited capital, to overcome the problems the government makes a financing program known as KUR. The KUR program is that micro business doers of micro and can obtain loans .This study done in BRI Unit Ciampea , the election of research is done deliberately with the consideration that BRI Unit Ciampea is one of the largest Bank in distributing KUR micro agribusiness in Bogor. In addition to show a decrease in non-performing loans in December 2013 until March 2014 at 0.72 %, but in April 2014 until August 2014 increasing non-performing loans amounting to 2.84 %, then decline again until now reaching 1.15 %, the level of non-performing loans are also show the performance of the distribution of KUR in BRI Unit Ciampea already be above the level of non-performing loans at the BRI micro overall. This study aims to to analyze the factors that affect the rate of return in BRI Unit Ciampea KUR Micro. The analysis shows that a variable double linear regression that exert influence on the rate of return real micro KUR is the variable business experience, business turnover, received credit and experience the use of credit to venture .Where the four it has negative variable influence on the rate of return micro KUR. While variables such that the level of education, the distance a borrower 's house , the number of families to support, business assets and the tenor the repayment of credits not influence significantly to micro KUR the rate of return.