Analisis Risiko pada Kredit Macet Perumahan Rakyat Sejahtera (KPRS) di Bank BRI Cabang Sentani Kabupaten Jayapura, Provinsi Papua

Kabey, Rence (2023) Analisis Risiko pada Kredit Macet Perumahan Rakyat Sejahtera (KPRS) di Bank BRI Cabang Sentani Kabupaten Jayapura, Provinsi Papua. S2 thesis, Universitas Kristen Indonesia.

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Abstract

Tesis berjudul "Analisis Risiko pada Kredit Macet Perumahan Rakyat Sejahtera (KPRS) di Bank BRI Cabang Sentani Kabupaten Jayapura, Provinsi Papua." Penelitian ini difokuskan pada Bank BRI Sentani, dengan objek penelitian berupa kredit macet perumahan rakyat sejahtera. Tujuan penelitian mencakup pengaruh product knowledge dan perceived value terhadap risiko kredit macet, serta memberikan mitigasi terhadap risiko tersebut. Metode penelitian yang digunakan adalah kuantitatif dengan menerapkan analisis statistik. Hasil penelitian menunjukkan bahwa product knowledge memiliki pengaruh signifikan terhadap risiko kredit macet, dengan t hitung sebesar 3.864, di atas 1.96, dan probabilitas 0.000 di bawah 5%. Kesimpulan ini menegaskan adanya hubungan yang signifikan antara product knowledge dan risiko, serta menguatkan hipotesis alternatif sambil menolak hipotesis nol. Oleh karena itu, mitigasi yang disarankan adalah melakukan penyuluhan untuk meningkatkan pemahaman nasabah terhadap produk pinjaman, khususnya program KPRS di Bank BRI Cabang Sentani. Selanjutnya, hasil penelitian juga menunjukkan bahwa perceived value memiliki pengaruh signifikan terhadap risiko kredit macet, dengan t hitung sebesar 1.996, di atas 1.96, dan probabilitas 0.046 di bawah 5%. Kesimpulan ini menegaskan adanya hubungan yang signifikan antara perceived value dan risiko, serta menguatkan hipotesis alternatif sambil menolak hipotesis nol. Mitigasi yang disarankan dalam hal perceived value adalah bekerja sama dengan pemerintah untuk mendapatkan data nasabah dan melakukan program keringanan kredit pembayaran. Kesimpulan akhir dari penelitian ini adalah pentingnya meningkatkan product knowledge dan perceived value dalam mengurangi risiko kredit macet perumahan rakyat sejahtera di Bank BRI Cabang Sentani. Mitigasi yang diperlukan melibatkan upaya penyuluhan kepada nasabah, kerjasama dengan pemerintach, dan peningkatan program keringanan kredit. Kata Kunci: Product Knowledge, Kredit Macet, Perceived Value. / The thesis is entitled "Risk Analysis on Housing Decay Credit of People's Welfare (KPRS) at Bank BRI Branch Sentani District of Jayapura, Papua Province." This research is focused on BRI Sentani Bank, with the object of research being credit lockdown housing prosperous people. The objectives of the research include the impact of product knowledge and perceived value on credit risk, as well as providing mitigation of such risk. The research method used is quantitative by applying statistical analysis. The results showed that product knowledge had a significant influence on the risk of credit clogging, with a t count of 3,864, above 1,96, and a probability of 0,000 below 5%. This conclusion confirmed a significant relationship between product knowledge and risk, as well as reinforcing alternative hypotheses while rejecting the zero hypothesis. Therefore, the recommended mitigation is to conduct deliberations to improve customer understanding of loan products, in particular the KPRS program at BRI Branch Sentani Bank. Furthermore, the results of the study also show that the perceived value has a significant influence on the risk of credit clogging, with a t count of 1.996, above 1.96, and a probability of 0.046 below 5%. This conclusion affirms the existence of a significant relationship between the Perceived Value and risk, as well as reinforcing alternative hypotheses while rejecting the zero hypothesis. The suggested mitigation in terms of perceived value is to work with the government to obtain customer data and conduct a payment credit clearance program. The final conclusion of this study is the importance of improving product knowledge and perceived value in reducing the risk of credit clogging people's housing well-being in BRI Bank Branch Sentani. The necessary mitigation involves efforts to improve customer service, co-operation with the government, and enhanced credit clearance programmes. Keywords: Product Knowledge, Credits, Perceived Value

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