TINGKAT SUKU BUNGA DAN KREDIT MACET PENGARUHNYA TERHADAP PERMINTAAN KREDIT UMKM DI PASAMAN BARAT (STUDI KASUS KSU LKMA KAMPUNG SOLOK SAIYO NAGARI MUARA KIAWAI )
The main factors affecting demand for credit are high and fixed interest rates that make it difficult for members to pay their loans and result credit given by KSU LKMA Kampung Solok Saiyo to be stuck. The purpose of this research is to know the effect of interest rate and bad credit on request of credit umkm at KSU LKMA Kampung Solok Saiyo. This research was conducted at KSU LKMA Kampung Solok Saiyo Nagari Muara Kiawai Gunung Tuleh District Pasaman Barat Regency. The type of data used in this study is secondary data sourced from credit reports contained in KSU LKMA Kampung Solok Saiyo with the number of samples of forty-eight. This data is analyzed by multiple linear regression method. From the results of this study found that interest rates and bad loans have a negative and significant effect on the demand for credit umkm in PasamanBarat.