Analysis on non performing loan: Empirical evidence at revolving fund managemement institution for cooperatives, micro, small, and medium enterprises under the ministry of cooperatives and small and medium enterprises republic of Indonesia

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Author: 
Hendy Rukmantara, Noer Azam Achsani and Tanti Novianti
Abstract: 

Revolving Fund Management Institution For Cooperatives, Micro, Small, And Medium Enterprises (LPDB-KUMKM/Lembaga Pengelola Dana Bergulir Koperasi Usaha Mikro, Kecil, dan Menengah) is a Microfinance institution in Indonesia supported by Ministry of Cooperatives and Small and Medium Enterprises Republic of Indonesia. This study aims to provide ajn overview of credit/revolving fund of LPDB to businesses located in the area of Indonesia, analyzing the characteristics of the debtors in LPDB, and analyzes the determinants of bad loans to debtors in LPDB. Descriptive method was selected to provides a overview of credit /revolving fund and analyzing the characteristics of the debtors. The logistic regression analysis was used to analyzes the factors that influence the occurrence of bad loans to debtors in LPDB. The result show that the overview of the deliquent debtor profiles in LPDB KUMKM is dominated by credit unions. Based on the logistics regression, there are four variables which significantly influence the collectibility of the loan: ie interest rate, monitoring strategies (BI checking/non BI checking), collateral level, and type of institution.

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   Vol. 07, Issue 03, March 2017

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