ANALISIS KARAKTERISTIK DEBITUR, KARAKTERISTIK KREDIT, KARAKTERISTIK USAHA DAN JAMINAN TERHADAP PENGEMBALIAN KREDIT DI KOPERASI DEWA ARTHA SEJAHTERA PONOROGO

Since the COVID-19 pandemic, several customers' loan repayments have experienced bottlenecks due to decreased income. This study aims to determine the relationship between debtor characteristics, credit characteristics, business characteristics and guarantees that have a significant effect on credit returns in the Dewa Artha Sejahtera Cooperative Ponorogo. The sample in this study were the customers of the Dewa Artha Sejahtera Cooperative Ponorogo totaling 85 customers who were taken using a random sampling method. The data used in this research is primary data in the form of questionnaires which are distributed directly to respondents. Data analysis was carried out using the chi square test with the help of the SPSS program.
The results of hypothesis testing indicate that there is a relationship between gender, age, loan amount, term, type of business, and collateral with credit repayments at the Dewa Artha Sejahtera Cooperative Ponorogo. This means that the smooth return of credit at the Dewa Artha Sejahtera Cooperative Ponorogo is strongly influenced by gender, age, loan amount, term, type of business, and collateral. Meanwhile, education has no relationship with credit repayment at the Dewa Artha Sejahtera Cooperative, Ponorogo. This means that the smooth return of credit at the Dewa Artha Sejahtera Cooperative Ponorogo is not influenced by the education of the customer.