PENGARUH PENERAPAN RESTRUKTURISASI KREDIT DAN PENGHAPUSAN KREDIT TERHADAP UPAYA PENYELAMATAN KREDIT BERMASALAH

Siti Romlah Maesaroh (1430611007) University of Muhammadiyah Sukabumi, Effect of the Implementation of Credit Restructuring and Credit Elimination on Rescue of Troubled Loans. (Advisor Mr. Ismet Ismatullah, SE., M. Ak and Mr. Elan Eriswanto, SE., MM). This study aims to determine the effect of the application of Credit Restructuring and Credit Elimination on the Efforts to Rescue Troubled Loans in the Rural Banks of BPR Sukabumi in Sukabumi District. The variables used in this study are the application of Kredi Credit and Elimination Restructuring as an independent variable and Rescue of Troubled Credit as the dependent variable. The research methodology used is an associative method with a quantitative approach that uses an ordinal scale. The population in this study were all cooperative employees spread in Sukabumi Regency while the sample used was 88 people. The types of data used are primary data and secondary data. Primary data is obtained by observing and distributing questionnaires. From the results of questionnaire data that have been collected then processed using SPSS 24 software consisting of validity test, reliability test, normality test, simple linear regression test, t test and test coefficient of determination. The results of the study show that based on the t test for the first variable, namely the application of credit restructuring has an influence on saving nonperforming loans at PD BPR Sukabumi. This is based on the value of the t test which produces a value of tcount of 2.801 greater than the value of t table that is equal to 1.987 (2.801> 1.987). The implementation of credit cancellation has an effect on saving non-performing loans at PD BPR Sukabumi. This influence is based on the results of the tcount which shows a number of 2.668 where the value is higher than the ttable value of 1.987 (2,668> 1,987). the application of credit restructuring and write-offs to rescue non-performing loans. The F test results show the value of F_count> F table (14,063> 3,096). This proves that the initial hypothesis is rejected and the final hypothesis is accepted