Pengaruh Margin Pembiayaan Dan Jangka Waktu Pembiayaan Terhadap Risiko Pembiayaan Macet Di BMT At-Tajdid Kapas Kabupaten Bojonegoro

Abstract

This study aims to determine the Effect of Financing Margin and Financing Period on the Risk of Bad Financing at BMT At-Tajdid Kapas Bojonegoro. This type of research uses quantitative research. The population in this study is 250 customers of BMT At-Tajdid Kapas. While the sampling technique in this study uses the Slovin formula with the determination of 154 population customers used as respondents and data collection through distributing questionnaires to respondents to be answered. Furthermore, the data management and analysis techniques used in this study are by using quantitative data analysis with the help of the SPSS 25 program. The stages in data management and analysis are testing the quality of research instruments using validity and reliability tests. Next, a classical assumption test will be carried out consisting of a normality test, multicollinearity test, linearity test, heteroscedasticity test, and multiple linear analysis. then using hypothesis testing namely partial tests (t tests) and simultaneous tests (f tests). The results of this study indicate that the calculated t value on the Financing Margin variable is 2.549 and on the Term variable is 4.124, greater than the t table value of 1.661, so there is an influence of the Financing Margin and Financing Term on the Risk of Bad Financing at BMT At-Tajdid Kapas. And the results of the f test are F count 20.771 and F table 3.089, so together the Financing Margin and Financing Term have a significant effect on the Risk of Bad Financing at BMT At-Tajdid Kapas. So it can be concluded that the Financing Margin and Financing Term simultaneously have a significant effect on the risk of bad financing being accepted and the Financing Margin and Financing Term simultaneously do not have a significant effect on the risk of bad financing being rejected.