ANALISIS PENYEBAB PENINGKATAN KREDIT PADA KOPERASI KARYAWAN "GEMAH RIPAH" PT.BANK RAKYAT INDONESIA (PERSERO)CABANG SIDOARJO

The purpose of this study was to analysis of the causes of the increase in credit Employee Cooperative "Gemah Ripah" PT Bank Rakyat Indonesia (Persero) is a branch Sidoarjo. This resurt using descriptive quantitative methods involving 100 respondents. The data was collected using questionnaires division Cooperative Gemah Ripah. The data obtained were analyzed using statistical formulas, by using multiple regression analysis processing done with SPSS version 16.0. Descriptive analysis showed that the variables (interest rate, the process of distribution, and the amount of credit) positive effect on the demand for credit decisions. Based on the research results, the hypothesis which states, alleged that there is a positive the causw between the factors (interest rates, distribution process, and the amount of credit) against a decision request credit. These results, 2 which states allegedly beetwen three variables (rate interest, the process of distribution, and the amount of credit) unknown variable interest rates of the most positive effect on the demand for credit decisions. Key words: interest rates, distribution process, and the amount of credi