Analisis Faktor Ekonomi yang Mempengaruhi Kredit Bermasalah pada Koperasi Simpan Pinjam Syariah (Studi Kasus di Koperasi BMI) yang Dimoderasi oleh Persepsi Pendapatan

Authors

  • Mohamad Fauzi Universitas Muhammadiyah Tangerang, Indonesia
  • Sustari Alamsyah Universitas Muhammadiyah Tangerang, Indonesia
  • Hamdani Hamdani Universitas Muhammadiyah Tangerang, Indonesia

DOI:

https://doi.org/10.57235/bima.v2i2.6111

Keywords:

Kredit Bermasalah, Koperasi Syariah, Persepsi Pendapatan, Faktor Ekonomi, Manajemen Risiko

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh faktor ekonomi seperti kebutuhan pribadi, biaya pendidikan anak, dan persepsi risiko terhadap terjadinya kredit bermasalah di Koperasi Simpan Pinjam Syariah. Studi ini dilakukan di Koperasi BMI dengan pendekatan kuantitatif. Persepsi pendapatan digunakan sebagai variabel moderasi. Hasil penelitian menunjukkan bahwa kebutuhan pribadi dan biaya pendidikan anak berpengaruh signifikan terhadap meningkatnya kredit bermasalah. Sementara itu, persepsi pendapatan mampu memoderasi hubungan tersebut, khususnya dalam menekan dampak negatif dari persepsi risiko kredit. Temuan ini memberikan implikasi penting bagi pengelolaan risiko kredit di koperasi syariah.

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Published

2025-08-05

Issue

Vol. 2 No. 2 (2025): Juli 2025

Section

Articles

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