PENGARUH KREDIT GUNA BHAKTI (KGB) TERHADAP PENDAPATAN OPERASIONAL PADA PT. BANK JABAR CABANG SUBANG

Credit represent activity institute conventional banking in channelling

mustered fund from client deposit or third party. Location in the form of credit

will give interest income contribution and credit provision to bank. Contribution

credit interest income in Indonesia still predominate earnings of bank operational

compared to from income base fee. This matter become a phenomenon that

happened empirically in Indonesian’s banking world, so that peep out ascription

that channelled credit have an effect on to earnings of bank operational. Pursuant

to the mentioned, Researcher feel to interest to make a poured research in the

form of skripsi with title : " The Influence Of Guna Bhakti Credit (KGB) To

Operational Income At PT. Bank Jabar Subang Branch ".

This research is done pursuant to case study, as a mean to know the

amount of channelled Guna Bhakti Credits, operational earning growth, and to

study the influence of Guna Bhakti Credit ( KGB) to operational income at PT.

Bank Jabar Subang Branch.

Research method of study are asosiatif/relation method and quantitative

descriptive analytical method. Asosiative Method is addressed to know if there is

correlation between Guna Bhakti Credit and operational income. Descriptive

analytical method analysis addressed to depict clearly how Credit Guna Bhakti

influence the operational income at PT. Bank Jabar Subang Branch. While

quantitative approach used in this research, because used data in form of

secondary data are financial statements.

To know the level influence of Guna Bhakti Credit (X Variable) to

operational income (Y Variable) used by parametrik statistical test appliance of

Correlation Pearson Product Moment and Linear Regresi Modestly Analysis.

Examination of Hypothesis in this research use statistic test t once party with

α = 0,05. Acquirement result of the analysis processed by using appliance assist

SPSS version program 12.

Pursuant to result of research, can know that relation between two

variable ( X variable and Y Variable) equal to 97,80%. Its meaning the

corelation very strong and is unidirectional, where if X variable go up hence Y

variable will go up, so also on the contrary. Influence Guna Bhakti Credit to

operational income at PT. Bank Jabar Subang Branch very big. The mentioned

can be seen from result calculation of determination koefesien equal to 95,60%.

This matter have a meaning that of operational income can influenced by

channelled amount of Guna Bhakti Credit equal to 95,60%, while the rest ( 100%-

95,60%=4,40%) have to be explained by other factors that is from deposit interest

income in other bank and other operational income besides credit, like as ;

commission from warranty bank and also commission and provision from money

order ( transfer).