Analisis Faktor-Faktor yang Mempengaruhi Permintaan Kredit Modal Kerja PT. Bank Sumut oleh Usaha Kecil dan Menengah di Medan
Drs. Jhon Thafu Ritonga, M.Ec
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PT Bank Sumut is a government's bank. Generally, we connect activity of money with PT Bank Sumut. PT Bank Sumut is financial institution giving service loaning of money. Company vision have meaning for fundamental target wishing to be reached, representing goals to get company added value, and also market characteristic served and also conducted business. Company mission explain to the target of company founded and based upon the history company and also company prospect. And follow to assist government's program in the effort improving prosperity of middle faction society downwards through especial activity in the form of channeling of credit mortage and conduct beneficial effort. Growth of PT Bank Sumut Branch Medan measured through three indicator, that is growth of given loan money, growth of mortgage and growth of rate of credit. For its role, looked from calculation of coefficient at equation of regresi using smallest square method, showing mortgage and rate of credit make-up credit in level 95%, and have an effect on negative between mortgage and rate of credit to make-up the credit of PT Bank Sumut Branch Medan. Coefficient Determination at 19,30% showing that mortgage and rate of credit can give explaining to working capital credit. And 80,70% is explaining by other variabel which not include in model summary, in level 95%.
- SP - Economic Development