ANALISIS FAKTOR-FAKTOR PENYEBAB TERJADINYA KREDIT MACET DALAM PEMBERIAN KREDIT PERUMAHAN PADA PT. BANK RAKYAT INDONESIA (Persero) Tbk KANTOR CABANG SAMARINDA 1

This study aims to analyze the factors that influence Non Performing Loans at PT. Bank Rakyat Indonesia (Persero) Tbk Samarinda Branch Office 1 with the following problems: independent variables used in this study include Character, Capacity, Capital, Collateral and Condition, while the dependent variable used is Non Performing Loans. Where the hypothesis in this study explains that the Character, Capacity, Capital, Collateral and Condition variables have a significant effect on Non Performing Loans.The method used in this research is descriptive method. From 210 debtor populations that were realized in 2016-2017, there were 47 samples of debtors who experienced Non Performing Loans. Before conducting data analysis techniques, the validity and reliability tests of the questionnaire given to the respondents were first carried out. Before conducting data analysis techniques, first assumptions are tested. Hypothesis testing uses multiple linear regression test by performing the F test and t test.The results showed that: 1) Character variable had a significant effect partially on Non Performing Loans, 2) Capacity variable had a significant effect partially on Non Performing Loans, 3) Capital variable had a significant effect partially on Non Performing Loans, 4) Collateral variable had a partially significant effect on Non Performing Loans, 5) Condition variables do not have a significant effect partially on Non Performing Loans, 6) Character, Capacity, Capital, Collateral and Condition variables have a significant effect simultaneously on Non Performing Loans