ANALYSING DETERMINANTS OF OVERDUE INSTALLMENT IN A FINANCIAL TECHNOLOGY COMPANY : CASE STUDY OF A SHARIA-BASED FINANCIAL TECHNOLOGY COMPANY IN INDONESIA

• Main Author: Elsa Amrini (19015025), Nuraini
• Format: Final Project
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/29762
• Institution: Institut Teknologi Bandung

This research has a objective to find the determinants of NPF in a sharia-based financial technology company. The method used is multi-linear regression. The sample of data is obtained from one sharia-based financial technology company regarding their borrower’s characteristics and credit characteristics from March 2017 until February 2018. The independent variables used in this research are type of product, product price, monthly installment, tenor, percentage of margin, monthly income, type of intermediary, gender, and type of e-commerce. For the dependent variable used is NPF which is represented by the lateness to pay the installment more than the designated day of payment. After running the multi-linear regression, the independent variables that have statistically significant relationship to the dependent variable are monthly income, tenor, borrowers who propose financing through BMT, female borrowers. Meanwhile the remaining variables are proven to be statistically insignificant.