ANALISIS CONJOINT FAKTOR-FAKTOR YANG MEMPENGARUHI PERILAKU BANK PERKREDITAN RAKYAT (BPR) DI KOTA SEMARANG DALAM PENILAIAN KREDIT MODAL KERJA

Abstract

Banking industry has the biggest influence in the economy of a country, that is accepting
funds from the community in the form of savings and channeling back to the community in
the form of credit. According to Bank Indonesia, Rural Bank industry shows quality
growth of lending working capital. Along with the growth in working capital loans made
by Rural Banks, will most likely be followed by an increase in bad loans. The purpose of
this research is to analyze how to reduce the risk of bad loans, then to know the factors
that influence the behavior of Semarang Rural Bank in assessment of working capital
loan which were reviewed based on variable profit (net profit margin), leverage, net
working capital, the value of the collateral, omzet as a proxy of firm size, and sales
growth.
Object of this study is Account Officer of Rural Banks in Semarang as much as 60
Account Officers are taken from 15 Rural Banks. The type of data collected is primary
data and secondary data. The analytical method used was conjoint analysis to determine
value preferences of each Account Officer Rural Bank in Semarang.
Based on the research results for conjoint analysis shows that profit (net profit margin),
net working capital, the value of the collateral, omzet as a proxy of firm size, and sales
growth has positive effect on the behavior of Rural Bank in Semarang in the assessment
of working capital loans, while leverage has negative influential. The rank of preference
value according to all respondents are collateral is in first place with importance values
of 40.883%, sales growth are second at 15.985%, net working capital was third at
14.263%, payable on the fourth of 12.584%, profit in fifth at 9.266%, and the last is
omzet that is equal to 7.020%.
Keywords: Assessment of Working Capital Loan, Rural Bank, Account Officer, Conjoint
Analysis