PENGARUH KINERJA KEUANGAN DAN RISIKO UMKM  TERHADAP KEPUTUSAN PEMBERIAN KREDIT  (Studi Kasus pada PT. BPD Cabang Bank Papua Yogyakarta): PENGARUH KINERJA KEUANGAN DAN RISIKO UMKM  TERHADAP KEPUTUSAN PEMBERIAN KREDIT  (Studi Kasus pada PT. BPD Cabang Bank Papua Yogyakarta)

Abraham Magai; Nurita Elfani Prasetyanignrum

Penulis

Abraham Magai Fakultas Ekonomi Universitas Surakarta
Nurita Elfani Prasetyanignrum Fakultas Ekonomi Universitas Surakarta

Kata Kunci:

Financial Performance, MSME Risk, Credit Granting Decisions

Abstrak

This study aims to determine whether the influence of MSME financial performance and
risk on lending decisions (Case Study at PT. BPD Bank Papua Yogyakarta Branch) this
study used qualitative research methods. The population in this study were all Bank Papua
Yogyakarta branch employees. data collection used is primary qualitative questionnaires
and interviews, as well as observation. Scale of measurement using a Likert scale. The
research data were analyzed using the classical assumption test, multiple linear reference,
f and t tests. The data in the study were processed in tabular form by the researcher. The
results showed that the financial performance and risk of MSME on credit granting
decisions had an effect and the Bank Papua fhad made positive and significant results.

PENGARUH KINERJA KEUANGAN DAN RISIKO UMKM TERHADAP KEPUTUSAN PEMBERIAN KREDIT (Studi Kasus pada PT. BPD Cabang Bank Papua Yogyakarta)