ANALISA FAKTOR PENYEBAB KREDIT MACET DENGAN METODE QUEST

Authors

  • Olivia Prima Dini
  • Hazmira Yozza
  • Dodi Devianto

DOI:

https://doi.org/10.25077/jmu.2.2.76-85.2013

Abstract

Perkreditan selalu dibutuhkan bagi pengembangan usaha, yaitu oleh pen-
gusaha yang tengah mengembangkan usaha maupun pengusaha yang baru akan memulai
usaha. Dalam suatu proses pemberian kredit, kadangkala terdapat kredit macet yaitu
suatu keadaan dimana terjadi tunggakan kredit lebih dari 6 kali masa angsuran. Banyak
faktor yang mempengaruhi kredit macet, analisis statistika yang dapat digunakan adalah
metode QUEST (Quick, Unbiased, Ecient, Statistical Trees). Pada penelitian ini data
yang diambil adalah data nasabah yang mengambil kredit dari tahun 2010 dengan
peubah bebas usia, penghasilan, ukuran keluarga, lama kredit, besar cicilan, besar kredit,
pekerjaan nasabah, dan jenis kredit. Setelah dilakukan analisa dengan metode QUEST
diperoleh faktor yang berpengaruh terhadap kredit macet adalah angsuran dan ukuran
keluarga.

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Published

10-06-2013

Issue

Vol. 2 No. 2 (2013)

Section

Articles

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