MANFAAT YANG DICARI NASABAH UMKM
DALAM LAYANAN KREDIT MODAL KERJA
DI BANK UMUM SURABAYA
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
FERDIANTO, DODIT
Subject
332.12 - BANKS & BANKING
Datestamp
2016-07-22 12:21:13
Abstract :
The performance of SMEs in Indonesia in recent years showed a significant increase. The amount of the contribution of SMEs to the Gross Domestic Product (GDP) in 2012 reached Rp 1,505 trillion, with an export value of SMEs reached USD 208.067 billion. Although these developments have increased the number of SMEs, but most are still faced with the fundamental problem, namely: first, there is still the difficulty of access of SMEs to the market for the products it produces; The second weak business development and strengthening; and third, limited access to sources of financing from formal financial institutions, especially banks. The main problem facing SMEs is the ability to access banking services and unfamiliarity with bank credit. The purpose of this study were (1) Getting the factors that are expected to benefit SME customers in obtaining credit services, (2) Getting the benefit factor that distinguishes between groups of SMEs of micro, small and medium enterprises based on the amount of working capital loans. The data used in this research is the primary data, ie data obtained directly from the questionnaires and interviews to the owners of SMEs which have taken credit for at least 6 months at Bank BRI, Bank Danamon and Bank Mega in Surabaya and successfully obtained a sample of 131 respondent. By using factor analysis, it was found that the factors expected benefits customers when obtaining credit services in a certain period is (1) At the microenterprises obtained four main factors, namely the factor of communication skills and attention to employees, factors responsiveness of employees, factors empathy employees and reliability factor of employees, (2) in a small business found two main factors, namely the factor of employee competence and service factors of employees, (3) in the medium-sized businesses obtain two main factors, namely the hospitality and service assurance factors and factor close relationship with employees. By using discriminant analysis found that the benefits that differentiate between SMEs groups of micro, small and medium enterprises based on the amount of working capital loans are (1) Employees are able to provide additional services to its customers, (2) Employees are able to provide credit information accurately, (3) Employees know customer name. Based on the results of the study on the expected benefits customers in credit services, the bank can undertake product development strategies and services that benefit our customers as well as the expectations of SMEs. Keywords: SME, credit services, factor analysis, discriminant analysis
The performance of SMEs in Indonesia in recent years showed a significant increase. The amount of the contribution of SMEs to the Gross Domestic Product (GDP) in 2012 reached Rp 1,505 trillion, with an export value of SMEs reached USD 208.067 billion. Although these developments have increased the number of SMEs, but most are still faced with the fundamental problem, namely: first, there is still the difficulty of access of SMEs to the market for the products it produces; The second weak business development and strengthening; and third, limited access to sources of financing from formal financial institutions, especially banks. The main problem facing SMEs is the ability to access banking services and unfamiliarity with bank credit. The purpose of this study were (1) Getting the factors that are expected to benefit SME customers in obtaining credit services, (2) Getting the benefit factor that distinguishes between groups of SMEs of micro, small and medium enterprises based on the amount of working capital loans. The data used in this research is the primary data, ie data obtained directly from the questionnaires and interviews to the owners of SMEs which have taken credit for at least 6 months at Bank BRI, Bank Danamon and Bank Mega in Surabaya and successfully obtained a sample of 131 respondent. By using factor analysis, it was found that the factors expected benefits customers when obtaining credit services in a certain period is (1) At the microenterprises obtained four main factors, namely the factor of communication skills and attention to employees, factors responsiveness of employees, factors empathy employees and reliability factor of employees, (2) in a small business found two main factors, namely the factor of employee competence and service factors of employees, (3) in the medium-sized businesses obtain two main factors, namely the hospitality and service assurance factors and factor close relationship with employees. By using discriminant analysis found that the benefits that differentiate between SMEs groups of micro, small and medium enterprises based on the amount of working capital loans are (1) Employees are able to provide additional services to its customers, (2) Employees are able to provide credit information accurately, (3) Employees know customer name. Based on the results of the study on the expected benefits customers in credit services, the bank can undertake product development strategies and services that benefit our customers as well as the expectations of SMEs. Keywords: SME, credit services, factor analysis, discriminant analysis
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