CD Tesis
Faktor-Faktor Yang Mempengaruhi Tingkat Pengembalian Pinjaman pada Usaha Ekonomi Desa Simpan Pinjam (Ued-Sp) di Kabupaten Rokan Hilir
Economic Business Programs Village Savings and Loans (UED-SP) is a program implemented by the Riau provincial government in cooperation with the District / City Government that aims to improve the rural economy. UED-SP implementation specific to Rokan Hilir district until 2011 always ranks the lowest in terms of loan repayment, for this study was conducted with the aim to know the factors that lead to low levels of loan repayment.
The results showed that by using a statistical test that states that the obtained results of the six factors examined (external factors that comprise the business environment (X1); disaster or failure (X2); Competition among lenders institutions (X3) and internal factors Weakness comprising systems and procedures (X4); granting and credit monitoring distorted (X5); faith poorly by the manager (X6)), where the factor of credit granting and monitoring deviant (X5) significantly affect the rate of return on loans in the District Rokan Hilir. Simultaneously show all factors independent variables consisting of the business environment (X1); disaster or failure (X2); Competition among lenders institutions (X3), and internal factors that comprise the system weaknesses and procedures (X4); granting and supervision of credit aberrant (X5); faith poorly by the manager (X6) significantly to the dependent variable Y (rate of return on the loan), it is evident from tcount> ttable the significant level α = 0.05, the value Fhitung> F table and the level of influence donated by the independent variable on the dependent variable visible from the determination (R2), and keratan relationship can be seen from the correlation coefficient r.
Settling into the future it is expected that all parties, especially the district Rokan Hilir and managers in order to create a good development policy in the field of administration and supervision of credit in the course of UED-SP so it can improve the rate of return on loans from the beneficiaries.
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