SkOR RISIkO kREDIT, ANALISIS DISkRIMINAN DAN kELAYAkAN kREDIT MODAL kERJA

Abstract

This research aims to analyze and know the indicators of credit risk scoring which can distinguish the debtor been accepted or rejected to obtain working capital loans from bank. Credit risk scoring indicators include: repayment capacity against instalment, confidence level, historical relationships with banks, personal life behaviour, housing ownership, length of trying and marketing. This type of study is testing the hypothesis. Sampling method used was accidental sampling, meaning that the sample size used in this study depending on the number of borrowers working capital loans (accepted, rejected) permitted or provided by bank for examination. The results in this study were of the seven indicators of credit risk scoring six indicators that there is a discriminator. The six indicators include: repayment capacity against instalment, confidence level, history of bank relationships, personal life behaviour, housing ownership, and marketing, while the length of trying not to be used as a differentiator for working capital loans accepted or rejected.