MENELUSURI PENGARUH KOMPETENSI PROFESIONAL DAN MOTIVASI KERJA TERHADAP KINERJA ANALIS KREDIT MIKRO PADA LEMBAGA KREDIT MIKRO PERBANKAN MAUPUN LEMBAGA KEUANGAN MIKRO

Abstract

Credit quality and Non performing loan emerged during credit periode depend on credit analyst work
indicator. Other factors are any activities done after drawdown bank loan to small and micro entriprizes
as well. This research will explore non performing loan based on credit analyst performance. Analyst
performance will be depend variable and professional competence and motivation will be independent
variables. Based on regression and correlation analysis, the result of the analysis show that Sig on the
Anova tabels show Sig = 0.033 or less than probability value 0,05. The consecuenties Ho is refused an
Ha accepted. This mean that professional competence and motivation significantly and simultaneously
influences performance. The regression line equation is -122,685 0,122x1 + 0,749x2. Determinant
coefisien or R = 0.5322. That is mean 53,2% analyst performance contributed by professional
performance and motivation. Proporsion 46,8% will be determined by other unidentified factors.