PENGARUH TINGKAT SUKU BUNGA KREDIT MODAL KERJA TERHADAP JUMLAH PERMINTAAN KREDIT MODAL KERJA (KMK) PADA PT. BPR PADANG TARAB KEC. BASO

Abstract

The purpose of this study was to determine the effect of interest rates on the demand for working capital loans working capital loans . Data analysis using regression and simple correlation analysis and processing of data by using SPSS. An analysis looks negativ relationship between the independent variable ( the level of working
capital loan interest rate ) on the dependent variable (demand for working capital loans) at PT . BPR Tarab Padang district. Baso Kab .Agam . These results are shown by a marked regression coefficient negative . The regression coefficient reflects that if the interest rate for working capital loans increased by one unit then the demand for working capital loans will fall by 303,684.511 units and if the level of working capital loan interest rates lowered by one unit then the demand for working capital loans will rise by 303,684.511 dollars assuming cateris paribus (other variables held constant) The existence of a negative relationship between the interest rate on the demand for working capital loans working capital loans indicates that inverse effect of the measures taken by the PT . BPR Padang Tarab in loos capital loan interest rates which indicate that the imposition of a decrease in loan interest rates will affect the working capital deficits improve the amount of the working capital loan requests . Value of r = 0.910 . This shows the correlation between the interest rate with the demand for working capital loans working capital loans is positive and very strong. If the value of r is close to 1 then there is a positive linear relationship and reversed. Where the lower the interest rate , the demand for working capital loans to credit for working capital will increase and vice versa when the interest rate ktedit working capital increases, the demand for working capital loans will decrease