AN ANALYSIS ON THE FACTORS AFFECTING CREDIT SELECTION IN BPR TO INCRESE COMPETITIVENESS (BPR CASE STUDY IN SURABAYA)

Purnomolastu, Norbertus and Murhadi, Werner Ria and Widyanti, Ratna (2018) AN ANALYSIS ON THE FACTORS AFFECTING CREDIT SELECTION IN BPR TO INCRESE COMPETITIVENESS (BPR CASE STUDY IN SURABAYA). In: Abstract Book 5th International Conference on Business and Banking (ICBB V). STIE Perbanas Press, Surabaya, p. 24. ISBN 978-602-96319-9-9

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Abstract

Bank Perkreditan Rakyat (BPR) is part of the banking financial institutions apart from the commercial banking. One of the activities of the BPR is to distribute the credits as done by the commercial banks. In running their activities in the big cities or the capital cities of the provinces, BPR has to compete with the commercial banks to get the debtors. Problems, BPR as micro financial institutions, in doing their business to distribute the credit up to certain amount, are faced with the commercial banks which have more competitive advantages, both in the price and facilities provided. This dtusy tries to identify the factors influencing the customers in making decisions to take the credit at BPR. By identifying the determinant factors in choosing the banks, BPR can use it to improve their services to the customers and at the same time BPR can use it as a strategy in giving credit to the customers/debtors. The metode employed in this study was regressive logistic method, which was used to identify what factors determine the customers to choose credit at BPR which can be seen from the statement of "Satisfied and unsatisfied". The conclusion is that the procedures and personality are the main factors making the customers choose credit at BPR. The two factors include the speed/time it takes to realize the credit, that is, flexible and uncomplicated procedures supported by more appropriate personal approach.

Item Type: Book Section
Uncontrolled Keywords: Bank Perkreditan Rakyat, Process, People
Subjects: H Social Sciences > HG Finance
Divisions: Polytechnic > Diploma in Tax Accounting
Depositing User: Ester Sri W. 196039
Date Deposited: 13 Mar 2019 08:40
Last Modified: 14 Mar 2019 08:02
URI: http://repository.ubaya.ac.id/id/eprint/34498

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