Dampak dikeluarkannya produk kredit multiguna promo terhadap pertumbuhan dan kualitas kredit multiguna umum di PT Bank DKI

CIPTO, Bambang Bayu, Supriyadi, Dr., M.Sc

2009 | Tesis | S2 Magister Manajemen

Penelitian untuk menganalisis dampak dikeluarkannya produk Kredit Multiguna Promo terhadap pertumbuhan dan kualitas Kredit Multiguna Umum di PT. Bank DKI telah dilakukan di Jakarta mulai bulan Oktober sampai dengan bulan Desember 2007. Data sekunder dianalisis berupa data nilai, pertumbuhan dan Net Performing Loan (NPL) Kredit Multiguna Promo dan Kredit Multiguna Umum periode Januari sampai Desember 2007 dari 38 kantor cabang Bank DKI di Jakarta. Analisis dampak dilakukan dengan menggunakan analisis regresi dan korelasi antara variabel Kredit Multiguna Promo dengan variabel Kredit Multiguna Umum. Hasil analisis menunjukkan bahwa Kredit Multiguna Promo berdampak negatif terhadap nilai Kredit Multiguna Umum. Peningkatan nilai Kredit Multiguna Promo menurunkan nilai Kredit Multiguna Umum secara signifikan, dimana setiap peningkatan (1) satu rupiah total Kredit Multiguna Promo akan diikuti oleh penurunan 0.394 rupiah total Kredit Multiguna Umum. Namun demikian pertumbuhan dan kualitas Kredit Multiguna Promo tidak memberikan dampak yang signifikan terhadap pertumbuhan dan kualitas kredit Multiguna Umum.

Research to analyze the impact of the Multiguna Promo Credit Product for Growth and Quality Multiguna Umum Credit in PT. Bank DKI Jakarta had been conducted in Jakarta starting in October until December 2007. The secondary data that had been analyzed werw credit values, credit growth and Net Performing Loan (NPL) of the Multiguna Promo and Multiguna Umum credit of January to December 2006, from 38 branch offices of the Bank DKI in Jakarta. Impact analysis was conducted by using regression and correlation analysis between Multiguna Promo Credit and Multiguna Umum Credit variables The result of the analysis shows that value of the Multiguna Promo Credit has a negative impact against the value of Multiguna Umum Credit. The increasing of the value of Multiguna Promo Credit was followed by the lower value of Multiguna Umum Credit significantly, where for each improvement 1 (one) rupiah the total value of Multiguna Promo Credit will be followed by decreasing 0.394 rupiah of total values of Multiguna Umum Credit. However, the growth and the quality of Multiguna Promo Credit do not provide a significant impact on the growth an d the quality of Multiguna umum Credit.

Kata Kunci : Kredit multiguna promo,Nilai,Pertumbuhan dan kualitas (NPL), Multiguna Promo Credit, Value, Growth and Quality (NPL)