Effect of Internal Conditions, Debtor Conditions, Enviromentel Conditions on Amount of Credit With Amount of Creadit As An Mediation Variable (Study at Bank Mandiri Cabang Sungai Bahar)

Jurnal Akuntansi & Keuangan Unja

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Title Effect of Internal Conditions, Debtor Conditions, Enviromentel Conditions on Amount of Credit With Amount of Creadit As An Mediation Variable (Study at Bank Mandiri Cabang Sungai Bahar)
Pengaruh Kondisi Internal, Kondisi Debitur dan Kondisi Lingkungan Terhadap Non Performing Loans (NPL) dengan Variabel Mediasi Jumlah Kredit (Studi Pada Bank Mandiri Cabang Sungai Bahar)
 
Creator Mukti Dian S
Afrizal
PA, Enggar Diah
 
Subject Internal Conditions
Debtor Conditions
Environmental Conditions
Total Loans and Non-Performing Loans (NPL)
Kondisi Internal
Kondisi Debitur
Kondisi Lingkungan
Jumlah Kredit dan Non Performing Loans (NPL)
 
Description This research aims to determine and analyze the influence of internal conditions, debtor conditions, and environmental conditions on the number of loans with NPL as a mediating variable at PT. Bank Mandiri Cabang Sungai Bahar. The population of this research included all customers with the sampling technique used was the Slovin formula so that the sample taken was 117 customers. The analysis technique used is to use multiple regression and path analysis. The result of this research showed that partially, internal conditions significantly affected the number of loans, debtor conditions and environmental conditions did not significantly affect the number of loans and had a significant positive effect on non-performing loans (NPL). Internal conditions, debtor conditions and environmental conditions significantly influence non-performing loans (NPL). Internal conditions, debtor conditions and environmental conditions and the amount of credit simultaneously influence the non-performing loans (NPL). The amount of credit has an effect as an intervening variable internal conditions to NPL. The amount of credit has no effect as an intervening variable on the condition of the debtor and environmental conditions on non-performing loans (NPL).
Penelitian ini bertujuan untuk mengetahui dan menganalisa pengaruh kondisi internal, kondisi debitur, dan kondisi lingkungan terhadap jumlah kredit dengan npl sebagai variabel mediasi pada PT. Bank Mandiri Cabang Sungai Bahar. Populasi penelitian ini meliputi semua nasabah dengan teknik pengambilan sampel yang digunakan adalah rumus slovin sehingga sampel yang diambil sebanyak 117 nasabah. Teknik analisis yang digunakan adalah dengan menggunakan regresi berganda dan analisis jalur (path analysis). Hasil penelitian menunjukkan secara parsial, kondisi internal berpengaruh signifikan terhadap jumlah kredit,kondisi debitur dan kondisi lingkungan tidak berpengaruh secara siginifikan terhadap jumlah kredit jumlah kredit berpengaruh positif dan signifikan terhadap non performing loans (npl). Kondisi internal, kondisi debitur dan kondisi lingkungan berpengaruh secara signifikan terhadap non performing loans (npl). Kondisi internal,kondisi debitur dan kondisi lingkungan  dan jumlah kredit berpengaruh secara simultan  terhadap non performing loans (npl). Jumlah kredit berpengaruh sebagai variabel intervening kondisi internal terhadap npl. Jumlah kredit tidak berpengaruh sebagai variabel intervening kondisi debitur dan kondisi lingkungan terhadap non performing loans (npl).
 
Publisher Magister Ilmu Akuntansi Universitas Jambi
 
Date 2020-11-02
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article
 
Format application/pdf
 
Identifier https://online-journal.unja.ac.id/jaku/article/view/10813
 
Source Jurnal Akuntansi & Keuangan Unja; Vol. 5 No. 3 (2020): Jurnal Akuntansi & Keuangan Unja; 169-180
2460-6235
2715-5722
 
Language eng
 
Relation https://online-journal.unja.ac.id/jaku/article/view/10813/6528
 
Rights Copyright (c) 2020 Magister Ilmu Akuntansi Universitas Jambi
https://creativecommons.org/licenses/by/4.0
 

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