FAKTOR-FAKTOR MEMPENGARUHI PENYEBAB PIUTANG TAK TERTAGIH PADA KOPERASI BAITUL MALWAT TAMWIL (BMT)TARBIYAH PALEMBANG

Abstract

Doubtful is a phenomenon that is observed in the preliminary division of Business (SHU). Acquisition Through cooperative SHU obtained by BMT tarbiyah buildup of capital reserve funds set aside each period end closing. The evidence suggests that the magnitude of the cooperative SHU obtained in every year, the greater the capital in the can by the cooperative is also a sign that the cooperative has managed well. Cooperatives should provide strict payment terms, the maximum ceiling limit so that the cooperative can determine who deserves to be given credit and impose a cash discount for members. Factors Contributing to Doubtful that of the Cooperative BMT can be minimized. The collection targets as well as the realization of receivables in the year 2008-2012 which led to bad debts from year to year, is increasing. Simultaneously Weak System Administration, Supervision, Weak Credit Information System, Irregularities in the Implementation Procedures Lending, Decline Economic Activity, Business Failure Debtor and Debtor Experiencing Disasters significantly affect Doubtful. Similarly, partially that makes no Internal and External Factors X2 X1 equally positive effect on Doubtful collectible. Where External factors are more dominant than internal factors.