IJSRP, Volume 7, Issue 12, December 2017 Edition [ISSN 2250-3153]
Rojali Rokhman H, Hermanto Siregar, Tubagus Nur Ahmad Maulana
This study aims to analyze the influences of three factors: (1) interest rate of KUR Micro loan, (2) interest rate of Non KUR loan and (3) proportional migration of outstanding and borrower bank XYZ, on migration of non KUR loan. Analytical method used is multiple linear regression. The results of the study showed that all the three independent variables have significant negative effect on migration both of outstanding and borrower. The effect of Non KUR loan interest rate on migration differ from the hypothesis. This can be explained because of the difference in the maximum amount of loan that can be borrowed. Non KUR loan product is a credit granting service with the amount of loan up to 200 million, whereby the KUR Micro loan plafond is only up to 25 million. Therefore, it is expected that if there is an increase in interest rate of Non KUR loan will not cause migration.