FAKTOR-FAKTOR YANG MEMPENGARUHI KELANCARAN PENGEMBALIAN KREDIT USAHA RAKYAT (KUR) BANK BRI KC PASURUAN

The development of UMKM is very strategic in moving the national economy, considering that their business activities cover almosy all business fields so that the contribution of UMKM becomes very large of increasing income for low- income, UMKM are able to absorb labot on a large scale considering the large population og Indonesia so that this can reduce the unemployment rate. The research objective is to identify and analyze the factors that influrnce the smooth retrun of the People’s Business Credit (KUR) at BRI KC Pasuruan. This research method uses Proportional Random. The research data analysis method used the Binary Logistic Regression Test (estimated logistic regression function, model feasibility test, model fitnrss test and variable significance) and Correlation Test. Result and analysis of the factorsthat affect the smooth return of people’s business loans (KUR) at BRI KC Pasuruan Bank are the charavteristics of debtors with current and non-current rates of return resulting in similarities and there is no difference between current and non-current return. significantly influence and have a significant relationship to the rate of credit repayment is the level of education, number of family dependents and business income, while the variables that have no effect or significant on credit repaymen are age and loan amoun