FAKTOR-FAKTOR YANG MEMPENGARUHI KREDIT MACET PADA LEMBAGA PERKREDITAN DESA (LPD) KECAMATAN ABIANSEMAL, KABUPATEN BADUNG

Abstract

Village Credit Institutions (LPD) are village-owned financial enterprises that carry out business activities in the village environment and for village manners. LPD can also be defined as a customary village financial institution established on the basis of limited funds or community business capital sources, which are shown to be able to reach the necessary credits. Village Credit Institutions, namely financial institutions belonging to the Pakraman Village that have developed, provide social, economic and cultural benefits to their members. The development of non-bank financial institutions in rural areas really helps rural communities to increase rural economic growth. One of the classic banking banking services is the provision of credit to its customers. Village Credit Institutions (LPD) were established with the aim of village development, especially in the economic field.

               The population in this study was 34 LPDs located in the Abiansemal District. The sample in this study with a total of 136 respondents. The method used in this study was purposive sampling and the data analysis technique used was multiple linear regression analysis.

            The results showed that the time period, credit supervision, credit distribution had a negative effect on bad credit, while interest rates and fraud by Village Credit Institution (LPD) officers had a positive effect on bad credit at LPDs in the Abiansemal district of Badung Regency.