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Regression Analysis of Loan Defaults

The document analyzes variables that influence loan repayment delinquency. It finds that loan amount per month, household income, and parents' education level significantly predict delinquency, with household income and parents' education negatively correlated to delinquency and loan amount per month positively correlated. The model explains 76.5% of delinquency variability.

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mentoel
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5 views5 pages

Regression Analysis of Loan Defaults

The document analyzes variables that influence loan repayment delinquency. It finds that loan amount per month, household income, and parents' education level significantly predict delinquency, with household income and parents' education negatively correlated to delinquency and loan amount per month positively correlated. The model explains 76.5% of delinquency variability.

Uploaded by

mentoel
Copyright
© All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd

Variables Entered/Removeda

Model
1

Variables

Variables

Entered

Removed

Method

besarnyacicilan
perbulan,
pendapatankelu

. Enter

arga,
tingkatpendidika
norangtuab
a. Dependent Variable: tunggakancicilan
b. All requested variables entered.

Model Summary

Model
1

R
.875a

R Square

Adjusted R

Std. Error of the

Square

Estimate

.765

.744

a. Predictors: (Constant), besarnyacicilanperbulan,


pendapatankeluarga, tingkatpendidikanorangtua

148396.665

ANOVAa
Model
1

Sum of Squares
Regression

df

2436840627035

.818
Residual

748733386599.

34

655
Total

Mean Square

3185574013635

812280209011.
939

Sig.

36.886

.000b

22021570194.1
08

37

.473
a. Dependent Variable: tunggakancicilan

b. Predictors: (Constant), besarnyacicilanperbulan, pendapatankeluarga,


tingkatpendidikanorangtua

Coefficientsa
Standardized
Unstandardized Coefficients
Model
1

B
(Constant)
pendapatankeluarga
tingkatpendidikanorangtua
besarnyacicilanperbulan

a. Dependent Variable: tunggakancicilan

Std. Error

441071.974

151446.607

-.251

.066

-45049.321
5.021

Coefficients
Beta

Sig.

2.912

.006

-.368

-3.780

.001

18097.808

-.246

-2.489

.018

.783

.557

6.409

.000

Model Summaryb

Model
1

R
.875

Adjusted R

Std. Error of the

Square

Estimate

R Square
a

.765

.744

148396.665

a. Predictors: (Constant), besarnyacicilanperbulan, pendapatankeluarga,


tingkatpendidikanorangtua
b. Dependent Variable: tunggakancicilan

Coefficientsa
Collinearity Statistics
Model
1

Tolerance

VIF

pendapatankeluarga

.731

1.368

tingkatpendidikanorangtua

.709

1.411

besarnyacicilanperbulan

.914

1.094

a. Dependent Variable: tunggakancicilan

Durbin-Watson
1.959

Coefficient Correlationsa
besarnyacicilan
Model
1

perbulan
Correlations

Covariances

besarnyacicilanperbulan

pendapatankelu tingkatpendidika
arga

norangtua

1.000

.094

.198

pendapatankeluarga

.094

1.000

-.481

tingkatpendidikanorangtua

.198

-.481

1.000

besarnyacicilanperbulan

.614

.005

2801.838

pendapatankeluarga

.005

.004

-578.519

2801.838

-578.519

327530664.036

tingkatpendidikanorangtua
a. Dependent Variable: tunggakancicilan

Correlations
pendapata
tunggakancicilan
Spearman's rho

tunggakancicilan

Correlation Coefficient

1.000

Sig. (2-tailed)

.103

.507

.001

.538

38

38

38

38

38

-.605**

1.000

.510**

-.087

.129

.000

.001

.603

.440

38

38

38

38

38

**

**

1.000

.004

.128

.001

.001

.980

.442

38

38

38

38

38

.507**

-.087

.004

1.000

-.296

.001

.603

.980

.071

38

38

38

38

38

Correlation Coefficient

.103

.129

.128

-.296

1.000

Sig. (2-tailed)

.538

.440

.442

.071

38

38

38

38

38

Correlation Coefficient

Correlation Coefficient
Sig. (2-tailed)
N
Correlation Coefficient
Sig. (2-tailed)
N

Residual

-.506

Residual
**

.001

besarnyacicilanperbulan

perbulan
**

.000

Sig. (2-tailed)

tingkatpendidikanorangtua

-.605

anorangtua

**

N
pendapatankeluarga

nkeluarga

tingkatpendidik besarnyacicilan

N
**. Correlation is significant at the 0.01 level (2-tailed).

-.506

.510

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