Analisis Penyaluran Kredit oleh KPRI Karya Makmur Kecamatan Bawen Kabupaten Semarang.

Abstract

The existence of Koperasi Pegawai Republik Indonesia (KPRI) Karya Makmur in Bawen Region among society specially for civil servants who made profession as education staff of elementary school in Bawen region has importance role to decrease economic problems thatfaced by its members, in giving loan tofulfill their needs or to increase their business in order to increase their quality of life of its members The credit channeling in KPRI Karya Makmur has increased in credit In period of January 2004 to December 2008, eventhought in 2005 the members of KPRI Karya Makmur is constant. The purpose of this research is to analyze the factors that influence channeling credit in civil servant cooperative on KPRI Karya Makmur in Bawen Region. This reseach uses some variable to assess the influence of credit channeling in KPRI Karya Makmur such as saving ofmembers (SA), return ofmember's loan (PP), and interest rate ofbank (R). This reseach use time series data from monthly Finansial report ofKPRI Karya Makmur, during the period 2004-2008.In order to specify the explanatory variables, we uses Multiple Linear Regression with Ordinary Least Square (OLS) method. From this research shows that member's saving has positive and significant result in credit channeling in cooperative. The return of loan member also has positive and significant result in credit channeling in cooperative. More over there are also evidence that interest rate has negative and significant result in credit channeling. In this reseach also evidence that coefficient ofdetermination is 0.9741 that show the changes in independent variables can explain the dependent variable as 97.41 percent, while the 2.6 percent can explained by others variables that are not this model. Keywords : cooperative, credit channeling, saving ofmembers, return of member's loan, interest rate ofbank.