MALIK, ANNAS (2019) PENGARUH SUMBER PEMBAYARAN KREDIT FIX INCOME, NON FIX INCOME DAN FRAUD ACCOUNT OFFICER TERHADAP KUALITAS KREDIT KEPEMILIKAN RUMAH (STUDI KASUS PADA DIVISI KONSUMER DAN RESIKO KEPEMILIKAN RUMAH SELURUH BANK BNI CABANG UTAMA DI INDONESIA PERIODE 2008-2017). S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
This study aims to determine the factors that influence the quality of Home Ownership Loans. In this study the independent variables used were Fix Income, Non-Fix Income, and Fraud Account Officer and while the dependent variable was the Quality of Home Ownership Credit. Sample collection The design in this study is the causal study of Pt Bank Negara Indonesia Consumer and Risk Division 2008-2017. The research method uses multiple linear regression analysis. The results of this study are Fix Income, the Fraud Account Officer has a positive and insignificant effect on the Quality of PT Bank Negara Indonesia's Home Ownership Credit. Whereas the Independent Non-Fix Income Variables negatively affect the Quality of PT Bank Negara Indonesia's Home Ownership Credit. Increasingly each year the quality of PT Bank Negara Indonesia's home ownership loans, it is expected that the role of Account Officers and Credit Officers is more careful in providing House Ownership loans. Keywords: NPF, Quality of Home Ownership Loans, Fix Income, Non-Fix Income, Fraud Account Officer Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi kualitas Kredit Kepemilikan Rumah. Dalam penelitian ini Variabel independen yang digunakan yaitu Fix Income, Non-Fix Income, dan Fraud Account Officer dan sedangkan variabel dependennya adalah Kualitas Kredit Kepemilikan Rumah . Pengumpulan sampel Desain dalam penelitian ini adalah studi kausal Pt Bank Negara Indonesia Divisi Konsumer dan Risiko periode 2008-2017. Metode penelitian menggunakan analisis regresi linear berganda. Hasil penelitian ini yaitu Fix Income, Fraud Account Officer berpengaruh positif tidak signifikan terhadap Kualitas Kredit Kepemilikan Rumah PT Bank Negara Indonesia. Sedangkan Variabel Independen Non-Fix Income berpengaruh negatif terhadap Kualitas Kredit Kepemilikan Rumah PT Bank Negara Indonesia. Semakin meningkat tiap tahunnya kualitas kredit kepemilikan rumah PT Bank Negara Indonesia, diharapkan peran serta Account Officer dan Pemutus Kredit lebih cermat dalam memberikan kredit Kepemilikan Rumah. Kata Kunci: NPF, Kualitas Kredit Kepemilikan Rumah, Fix Income, Non-Fix Income, Fraud Account Officer
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