PENGARUH NILAI AGUNAN TERHADAP PEMBERIAN KREDIT PADA PT.BRI TBK. UNIT SAMOSIR BALIGE

Abstract

This study aims at finding the effect of Collateral Value on lending of PT. BRI Tbk. Samosir Balige Unit.  The method in this research is descriptive statistical method.  Literature and field research methods are used for the data collection process. Population of this study is  all customers who made loan  in 2017 approved by the bank while the sample was taken by using the Sloving formula as many as 58 debtors. From the results of the regression analysis of Y = -1667935.377 + 0.691X, with a partial test value (t _test) it is known that t_count is 26.617 which is greater than the value of table 2.0032 (26.617> 2.0032), the significance value of 0.000 indicates a significant value for t test is lower than 0.05 (0,000 <0.05) and known as R_Square value of 92.7%. This shows that Lending is affected by 92.7% of the Collateral Value while the rest is influenced by other factors outside the independent factor under study. After conducting research known Collateral Value significantly influence the Lending of PT. BRI Tbk. Samosir Balige Unit.