PENGARUH PENILAIAN PRINSIP CHARACTER, COLLATERAL DAN CAPACITY HUBUNGANNYA TERHADAP EFEKTIVITAS PEMBERIAN KREDIT MIKRO PADA PT. BANK MANDIRI PERSERO, TBK CLUSTER MAKASSAR

Abstract

Penelitian    ini    bertujuan    untuk    menganalisis    dan mengevaluasi pengaruh penilaian prinsip karakter (Character),     jaminan  (Collateral), dan kapasitas (Capacity) terhadap efektivitas pemberian kredit mikro pada PT Bank Mandiri (Persero), Tbk, khususnya di wilayah Cluster Makassar. Penelitian ini menggunakan metode kuantitatif dengan melibatkan beberapa pegawai sebagai responden kuisioner dalam pernyataan pemberian kredit mikro, penilaian karakter nasabah, jaminan yang diberikan, dan kapasitas pembayaran. Metode analisis yang digunakan melibatkan teknik regresi dan analisis statistik lainnya untuk mengidentifikasi sejauh mana variabel-variabel karakter, collateral, dan capacity mempengaruhi keberhasilan pemberian kredit mikro. Penelitian ini juga mencakup analisis hubungan antarvariabel, termasuk interaksi antar karakter, collateral, dan capacity dalam konteks pemberian kredit mikro. Berdasarkan hasil penelitian diporoleh hasil adanya pengaruh antara penilaian prinsip character dan prinsip capacity terhadap efektivitas pemberian kredit mikro, Maka Bank Mandiri diharapkan mampu meningkatkan prosedur penilaian prinsip tersebut agar dapat berjalan dengan lebih baik dan lebih efektif, yaitu dengan meningkatkan faktor ketelitian dan kehati-hatian agar penilaian terhadap setiap unsur character, collateral dan capacity tidak terjadi kesalahan yang dapat merugikan. PT Bank Mandiri (Persero), Tbk, khususnya di wilayah Cluster Makassar.

This research aims to analyze and evaluate the influence of assessing the principles of character, collateral and capacity on the effectiveness of providing microcredit at PT Bank Mandiri (Persero), Tbk, especially in the Makassar Cluster area. This research uses quantitative methods by involving several employees as questionnaire respondents in statements about providing microcredit, assessing customer character, guarantees provided, and payment capacity. The analytical method used involves regression techniques and other statistical analysis to identify the extent to which character, collateral and capacity variables influence the success of providing microcredit. This research also includes analysis of relationships between variables, including interactions between character, collateral, and capacity in the context of providing microcredit. Based on the results of the study, it is concluded that there is an influence between the assessment of the character principle and the capacity principle on the effectiveness of micro lending, so Bank Mandiri is expected to be able to improve the principle assessment procedure so that it can run better and more effectively, namely by increasing the accuracy and prudence factor so that the assessment of each element of character, collateral and capacity does not occur errors that can be detrimental. PT Bank Mandiri (Persero), Tbk, especially in the Makassar Cluster area.