STUDI DESKRIPTIF NON PERFORMING LOAN DAN PENGARUHNYA TERHADAP NET PROFIT USAHA EKONOMI DESA SIMPAN PINJAM (UED-SP) DI KABUPATEN BENGKALIS TAHUN 2012 -2016

Abstract

The aim of this study is to find out how big are Non-Performing Loan and the
Net Profit of Microfinance Institution (LKM) of Rural Economic Enterprises- Savings
and Loans (UED-SP) in Bengkalis Regency. Besides, the purpose of this research is
also to know the effect of non-performing loan towards the net profit in the last five
years. The data were taken from 102 out of 155 UED-SP units which were operating in
Bengkalis Regency area. The result of this research shows that up to 2016, the number
of credit loan that has been distributed to the customers in form of microcredit reached
1,184.92 billions; the non performing loan reached 5.18% with the net profit of 9.09
billions. Those three elements showed an increasing tendency in every year, especially
the last three years. Statistical test result found out that non-performing loan has
negatively and significantly affected the net profit with the equation formula of Y=6.083-
0.150 X. It can be concluded that the greater non-performing loan numbers, the lower
net profit numbers resulted.