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positf and significantly to the rate of return financing,
these results indicate that the greater the effort
generated turnover of customer, then the customer's
ability in repaying credit dipinjamnya will be more
smoothly.
Based on the results of the statistical test variable
loan amount negative effect, this corresponds to the
initial hypothesis where the larger the value of these
loans will directly increase the burden of the
installment to be paid, so that the large amount of the
loan does not smoothly clients in return for financing.
This same research results with the results of
research conducted Wongnaa (2013), Arinta (2014)
Muhammamah (2008) which claimed that the
variable loan amount is negative and not significant
effect against the repayment of the credit.
Based on the results of the statistical test variable
loan term positive effect, this corresponds to the
initial hypothesis where the longer the loan period,
then the monthly installment of dependents is
relatively small, so that the burden of the customer in
financing payment will be lighter. Therefore, the
longer the loan period, potentially increasing the
financing of return smoothly.
The results of this research are supported by
previous research carried out by Widayanthi (2012),
Sari (2011) that the loan term berepengaruh variable
is positive and significant, since a variable loan term
both have influence significantly to the rate of credit
payback by looking at the theory that the period of
repayment of the credit is due a debtor in paying the
entire value of the loans have been given including
the payment of interest, the means by the repayment
period of loans taken longer then a debtors will be
more smoothly in the repayment of the credit.
Based on the results of the statistical test that
variable the value of the collateral effect positive
towards the repayment of financing, then the fifth
hypothesis was accepted as this corresponds to the
initial hypothesis of research where the collateral
value of the factors related to the objects value that
must be sacrificed to get a financing, the higher the
valuables that were sacrificed (collateral), then the
customer will be more smoothly in the repayment of
financing because the customer does not want to lose
such precious objects.
The results of this study supports previous
research i.e. research conducted by Safitri (2007),
Sari (2011) declaring variables collateral effect is
positive and significant, because it has no effect as to
avoid the amount of collateral that are submitted not
much different, and berapun denotes the collateral
given customer does not affect the rate of return for
credit directly, the greater the value of the collateral
the client causes the client the more smoothly in the
repayment of the credit.
Based on the results of the statistical test that
variable number of dependent families showed the
direction coefficient is negative, the results of this
research are the same as the research done by Safitri
(2007), Shaik (2014) stating the number of variables
the negative effect and dependents have no effect,
because the number of dependent families related to
the magnitude of the costs of daily living must be
issued. The fewer the number of dependents then
spending to meet the needs of family life are also
getting smaller, so that the allocation of earnings for
the larger mortgage payment and credit returns in the
end the more smoothly.
5 CONCLUSIONS
Based on the research that has been done by
researchers, the conclusion can be drawn as follows:
Education level correlates negatively, but do
not affect significantly to the smooth reversion
of microfinancing on the Bank BRI Syariah
Cimahi;
Business Turnover correlates positively, but
influential significantly to the smooth reversion
of microfinancing on the Bank BRI Syariah
Cimahi;
Loan amount correlates negatively, but do not
affect significantly to the smooth reversion of
microfinancing on the Bank BRI Syariah
Cimahi;
Loan term correlated positively, but influential
significantly to the smooth reversion of
microfinancing on the Bank BRI Syariah
Cimahi;
Collateral Value correlates positively, but not
influential significantly to the smooth
financing of return on Bank BRI Syariah
Cimahi;
The number of family dependants negatively
correlated, but not significantly to the smooth
financing of return on Bank BRI Syariah
Cimahi.
REFERENCES
Arifin, Z., 2006. Dasar-dasar manajemen Bank Syariah,
Alvabet. Jakarta.
Arinta, D. Y., 2014. Pengaruh Karakteristik Individu,
Karakteristik Usaha, Karakteristik Kredit Terhadap
Determinant Micro Financing Repayment In Bank Bri Syariah Kcp Cimahi
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