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ANALISIS FAKTOR-FAKTOR YANG DIPERTIMBANGKAN MASYARAKAT DALAM MENGAMBIL KREDIT

ANALISIS FAKTOR-FAKTOR YANG DIPERTIMBANGKAN MASYARAKAT DALAM MENGAMBIL KREDIT

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Learning the behavior of consumers, on the substance involved in our studies on human behavior. Term behavior of consumers in general, focus on the behavior of specific individuals, who choose the product concerned, even though they were not involved in the case plan or select a product using the product. Society would be very selective in choosing a bank that will serve as the place to do the activities and financial needs will be. The decision to become a customer of a bank is influenced by many factors, both internal or external bank itself. Thus factors that influence the decision to become a customer of a bank is not a decision that is temporary but the decision is a long-term needs because of the relationship and the expected benefit.
In this research the purpose of research is to understand factors that people consider to take the credit in the PD. BPR “Bank Pasar” Jombang and to know the factors considered the most dominant community to take the credit in the PD. BPR “Bank Pasar” Jombang.
The form of this research used the form of research eksploratif [it] of it is open, still looking for – search and not have the hypothetical in which the research it as a first step to a more in-depth research, good research is descriptive research or explanation. Through research eksploratif the research problem can be formulated more clearly and in detail. The analysis tool used in this research, namely factor analysis with the help of SPSS computer program.
From the results of the research shows that most factors that influence people to take the credit in the PD. BPR “Bank Pasar” Jombang is because PD. BPR “Bank Pasar” is owned by the Local Government ofJombang. As is know that some of the customers in the PD. BPR “Bank Pasar” is from Civil Public Servant. In the era of global crisis such as now, the banking sector is experiencing a lot of bankruptcy. There is an assurance from the Local Government of Jombang. make sense of security for our customers. As one of the assets owned by the local Governmet of Jombang. then the PD is due. BPR “Bank Pasar” Jombang more attention to the welfare of the people down to medium, given the results of the respondents indicate that most of the customers in the PD. BPR “Bank Pasar” is a handsome middle to bottom, especially in the Civil Servant in the Local Government ofJombang.


Learning the behavior of consumers, on the substance involved in our studies on human behavior. Term behavior of consumers in general, focus on the behavior of specific individuals, who choose the product concerned, even though they were not involved in the case plan or select a product using the product. Society would be very selective in choosing a bank that will serve as the place to do the activities and financial needs will be. The decision to become a customer of a bank is influenced by many factors, both internal or external bank itself. Thus factors that influence the decision to become a customer of a bank is not a decision that is temporary but the decision is a long-term needs because of the relationship and the expected benefit.
In this research the purpose of research is to understand factors that people consider to take the credit in the PD. BPR “Bank Pasar” Jombang and to know the factors considered the most dominant community to take the credit in the PD. BPR “Bank Pasar” Jombang.
The form of this research used the form of research eksploratif [it] of it is open, still looking for – search and not have the hypothetical in which the research it as a first step to a more in-depth research, good research is descriptive research or explanation. Through research eksploratif the research problem can be formulated more clearly and in detail. The analysis tool used in this research, namely factor analysis with the help of SPSS computer program.
From the results of the research shows that most factors that influence people to take the credit in the PD. BPR “Bank Pasar” Jombang is because PD. BPR “Bank Pasar” is owned by the Local Government ofJombang. As is know that some of the customers in the PD. BPR “Bank Pasar” is from Civil Public Servant. In the era of global crisis such as now, the banking sector is experiencing a lot of bankruptcy. There is an assurance from the Local Government of Jombang. make sense of security for our customers. As one of the assets owned by the local Governmet of Jombang. then the PD is due. BPR “Bank Pasar” Jombang more attention to the welfare of the people down to medium, given the results of the respondents indicate that most of the customers in the PD. BPR “Bank Pasar” is a handsome middle to bottom, especially in the Civil Servant in the Local Government ofJombang.


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Published by: Erminati Pancaningrum on Jun 02, 2012
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01/04/2014

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 81
 
 
82 JURNAL EKSIS, VOLUME II NOMOR 1, FEBRUARI 200882
 
 83
 JURNAL EKSIS
SEKOLAH TINGGI ILMU EKONOMIPGRI DEWANTARA JOMBANG
VOLUME III NOMOR 1, FEBRUARI 2008DAFTAR ISI
Willy Sugianto
Pentingnya Pelayanan Prima Pada Lembaga Ferguruan Tinggi
 Rachyu Purbowati
Pengaruh Variabel-Variabel Determinan Terhadap
 Audit Delay
(ADE)dan Dampaknya Pada Reaksi Investor (Studi Empiris padaPerusahaan Manufaktur dan
Financial 
 
yang Listing di Bursa Efek Indonesia
 Mey Juliana
Penerapan Metode Kontrak Selesai pada Perusahaan Jasa KonsultanTeknik (Studi pada Konsultan CV. Sinduraya)
7'itik Inayati -
Analisis Lapcrar. Arus Kas Besar Seab?4ai Salah
SaLa
Ala, Bantu dalamPengambilan Keputusan Investasi Pada PT. Indofoc d Sukses Makmur, Thk.(Studi Kasus di Butsa Efek Indonesia)
 Abdul Rohim
Pengaruh Perilaku Konsumen Terhadap Keputusan Berwisata (Studipada Obyek Wisata Ubalan Pacet Mojokerto)
 Nurdiana
Pengaruh Kompetensi, Kreativitas, Persepsi dan Kondisi; Potensi Waj ibPemungut Terhadap Efektivitas Penerimaan Retribusi Pasar
Siti Zuhroh
Analisis Perilaku Konsumen Penggguna Produk Rokok 
 Arief Suprihono
LA Light di Kecamatan Jombang Kabupaten Jombang
 Erminati Pancaningrum,
Analisis Faktor-Faktor yang Dipertimbangkan di Masyarakat
Suhariani
Dalam Mengambil Keputusan Kredit di PD. "BANK PASAR"Jombang

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