Analisis kualitas kredit sektor agribisnis dan non agribisnis pada segmen bisnis Ritel dan Mikro di Kantor Cabang BRI Palembang A Rivai

SUYANTO, Prof.Dr.Ir. Sri Widodo, M.Sc

2005 | Tesis | Magister Manajemen Agribisnis

Penelitian ini bertujuan untuk mengetahui pertumbuhan kualitas kredit atau non performing loan (NPL), outstanding kredit, serta perbedaan kualitas pada sektor agribisnis, sektor non agribisnis, segmen bisnis ritel, segmen bisnis mikro. Hipotesis yang diajukan adalah : (1) Rerata kenaikan dan pertumbuhan outstanding dan kualitas kredit sektor agribisnis lebih tinggi dibanding dengan sektor non agribisnis; (2) Rerata kenaikan dan pertumbuhan outstanding dan kualitas kredit segmen bisnis ritel lebih tinggi dibanding dengan segmen bisnis mikro; (3) Ada perbedaan kualitas kredit antara sektor agribisnis dengan sektor non agribisnis; (4) Ada perbedaan kualitas kredit antara segmen bisnis ritel dengan segmen bisnis mikro; (5) Ada interaksi antara sektor kredit dengan segmen bisnis terhadap kualitas kredit. Data diperoleh dari laporan outstanding kredit Kantor Cabang BRI Palembang A Rivai periode September 2001- September 2004. Data yang diolah adalah data proporsi NPL terhadap total outstanding kredit. Metode statistik yang digunakan adalah analisis varians klasifikasi ganda, analisis perkembangan dan tingkat pertumbuhan dengan analisis regresi sederhana. Hasil penelitian menunjukkan bahwa pertumbuhan outstanding kredit dan NPL sektor agribisnis lebih tinggi dibanding sektor non agribisnis; pertumbuhan outstanding kredit dan NPL segmen bisnis ritel lebih rendah dibanding segmen bisnis mikro; tidak ada perbedaan kualitas kredit sektor agribisnis dengan sektor non agribisnis (Fhit =1,7288 Ftabel = 3,9124, α=5%).

This research aims at identify the growth of loans quality, the growth of loans outstanding and the differentiate of loans quality agribusiness sector, non agribusiness sector, retail business segment, micro business segment. The hipotesis used (1) the average of the increation and outstanding growth and loans quality agribsiness sector higher than non agribusiness sector; (2) the average of the increation and outstanding growth and loans quality retail business segment higher than micro business segment; (3) there were the differentiate of the loans quality to agribsiness sector with non agribusiness sector; (4) there were the differentiate of the loans quality to retail business segment with micro business segment; (5) there is interaction between loans sector with business segment to the loans quality. Source of data taken from loans outstanding report BRI Palembang A Rivai Branch from september 2001 until september 2004. The data proced based on proportion non performing loans to loans outstanding total. Statistics method used analys of variance combination factor, growth analysis with simple regression analysis. The result of the research inform that the growth of loans outstanding and non performing loans of agribusiness sector higher than non agribusiness sector, the growth of loans outstanding and non performing loans of retail business segment lower than micro business segment, indifferentiate loans quality agribusiness sector with non agribusiness sector (Fcount=1.7288Ftable=3.9124, α=5%).

Kata Kunci : Kredit Agribisnis, Ritel dan Mikro, Loans quality, Loans Sector, Segment Business.