The Influence of the Number of Labor and Interest Rates on the High Number of Bad Credit at Bank BRI Unit Three Juhar Kanca Lubuk Pakam

Oct 13, 2025 by talynt.org 25 views

The Influence of the Number of Labor and Interest Rates on the High Number of Bad Credit at Bank BRI Unit Three Juhar Kanca Lubuk Pakam

Introduction

The high number of bad credit in banking institutions, especially in the BRI Bank Unit Three Juhar Kanca Lubuk Pakam, is a pressing concern in the economic world. This research focuses on two main factors that are suspected of contributing to the problem, namely the number of labor and interest rates. By using a multiple linear equation model, this study aims to determine which independent variables have a dominant effect on the dependent variable, as well as to understand the relationship between the two independent variables with bad credit scores.

Background of the Study

The banking sector plays a crucial role in the economy, providing financial services to individuals and businesses. However, the high number of bad credit in banking institutions can have a significant impact on the financial performance and reputation of the institution. In this study, we focus on the BRI Bank Unit Three Juhar Kanca Lubuk Pakam, which is one of the largest banks in Indonesia. The bank's high number of bad credit is a concern that needs to be addressed.

Methodology

This study uses a multiple linear regression analysis to explore the simultaneous impact of the number of labor and interest rates on bad credit numbers. The data used in this study is obtained from the BRI Bank Unit Three Juhar Kanca Lubuk Pakam's financial reports and other relevant sources. The analysis is conducted using a statistical software package to determine the relationship between the independent variables and the dependent variable.

Results

The results of the study show that interest rates have a more significant effect on bad credit scores compared to the number of workers. The coefficient of determination obtained is 0.1064, which shows that interest rates contribute around 10.64% in explaining the variation of bad credit. In addition, the correlation value between interest rates and bad credit scores was recorded at 0.241, which shows a weak relationship. Meanwhile, the correlation between the number of workers and bad credit scores only reached 0.017, which is categorized as very weak.

Analysis and Explanation

Seeing the results of the study, it can be concluded that interest rates play a more significant role in increasing the risk of bad credit compared to the number of workers. This may be caused by the fact that high interest rates can burden the debtor in paying loan installments, thereby increasing the likelihood of bad loans. On the other hand, the low number of workers in a bank may not be very influential if it is not balanced with an affordable interest rate.

The Importance of Wise Management of Interest Rates

The importance of wise management of interest rates is also in the spotlight. Banks need to consider the impact of interest rate policies on debtor capabilities in paying loans. With a decrease in interest rates, banks can reduce the risk of bad credit, which in turn will improve the financial performance and reputation of the institution in the eyes of customers.

The Role of Public Policy

In the context of public policy, the government also needs to pay attention to the factors that affect interest rates, such as inflation and global economic conditions. The right monetary policy can help create a more stable environment for the banking sector and reduced bad credit scores.

Conclusion

Overall, an understanding of the effect of the number of labor and interest rates on bad credit numbers is very important to formulate an effective strategy in banking risk management. This research not only provides insight into influential variables, but also offers recommendations for relevant parties in improving credit performance and reducing bad credit numbers.

Recommendations

Based on the findings of this study, the following recommendations are made:

Banks need to consider the impact of interest rate policies on debtor capabilities in paying loans.
The government needs to pay attention to the factors that affect interest rates, such as inflation and global economic conditions.
Banks need to balance the number of workers with an affordable interest rate to reduce the risk of bad credit.
The government needs to implement policies that promote financial inclusion and reduce the risk of bad credit.

Limitations of the Study

This study has several limitations that need to be addressed. Firstly, the data used in this study is obtained from a single bank, which may not be representative of the entire banking sector. Secondly, the study only focuses on two independent variables, which may not capture the complexity of the issue. Finally, the study does not provide a long-term perspective on the impact of interest rates on bad credit.

Future Research Directions

Future research directions include:

Conducting a study that uses a larger sample size and includes more independent variables.
Conducting a study that provides a long-term perspective on the impact of interest rates on bad credit.
Conducting a study that examines the impact of other factors, such as economic conditions and government policies, on bad credit.

References

[List of references used in the study]

Appendix

[Appendix includes additional information, such as tables and figures, that are not included in the main body of the study]
Frequently Asked Questions (FAQs) about the Influence of the Number of Labor and Interest Rates on the High Number of Bad Credit at Bank BRI Unit Three Juhar Kanca Lubuk Pakam

Q: What is the main focus of this study? A: The main focus of this study is to investigate the influence of the number of labor and interest rates on the high number of bad credit at Bank BRI Unit Three Juhar Kanca Lubuk Pakam.

Q: What is the significance of this study? A: This study is significant because it provides insight into the factors that contribute to the high number of bad credit in banking institutions, which can have a significant impact on the financial performance and reputation of the institution.

Q: What is the methodology used in this study? A: This study uses a multiple linear regression analysis to explore the simultaneous impact of the number of labor and interest rates on bad credit numbers.

Q: What are the results of the study? A: The results of the study show that interest rates have a more significant effect on bad credit scores compared to the number of workers.

Q: What are the implications of the study? A: The implications of the study are that banks need to consider the impact of interest rate policies on debtor capabilities in paying loans, and that the government needs to pay attention to the factors that affect interest rates, such as inflation and global economic conditions.

Q: What are the limitations of the study? A: The limitations of the study are that the data used is obtained from a single bank, which may not be representative of the entire banking sector, and that the study only focuses on two independent variables, which may not capture the complexity of the issue.

Q: What are the future research directions? A: The future research directions include conducting a study that uses a larger sample size and includes more independent variables, conducting a study that provides a long-term perspective on the impact of interest rates on bad credit, and conducting a study that examines the impact of other factors, such as economic conditions and government policies, on bad credit.

Q: What are the recommendations of the study? A: The recommendations of the study are that banks need to balance the number of workers with an affordable interest rate to reduce the risk of bad credit, and that the government needs to implement policies that promote financial inclusion and reduce the risk of bad credit.

Q: What is the significance of the study in the context of public policy? A: The study is significant in the context of public policy because it highlights the importance of wise management of interest rates and the need for the government to pay attention to the factors that affect interest rates, such as inflation and global economic conditions.

Q: What are the implications of the study for banking risk management? A: The implications of the study for banking risk management are that banks need to consider the impact of interest rate policies on debtor capabilities in paying loans, and that the government needs to implement policies that promote financial inclusion and reduce the risk of bad credit.

Q: What are the future implications of the study? A: The future implications of the study are that it can be used as a basis for future research on the impact of interest rates on bad credit, and that it can inform policy decisions related to banking risk management and financial inclusion.

Q: What are the limitations of the study in terms of generalizability? A: The limitations of the study in terms of generalizability are that the data used is obtained from a single bank, which may not be representative of the entire banking sector.

Q: What are the implications of the study for financial inclusion? A: The implications of the study for financial inclusion are that it highlights the importance of affordable interest rates and the need for the government to implement policies that promote financial inclusion and reduce the risk of bad credit.

Q: What are the implications of the study for banking regulation? A: The implications of the study for banking regulation are that it highlights the importance of wise management of interest rates and the need for the government to pay attention to the factors that affect interest rates, such as inflation and global economic conditions.