ANALISIS PENGARUH PROSEDUR KREDIT, LOKASI, CITRA BPR DAN BUNGA KREDIT TERHADAP KEPUTUSAN PENGAMBILAN KREDIT HARMONI TEPAT GUNA DI BPR NUSAMBA CEPIRING, KENDAL

Abstract

A problem faced by Micro Small Medium Enterprises (MSME) is the lack of capital due to the decrease of bank credit distribution. Government's support towards the MSME causes the bankers start to pay attention to distribute the bank credit to MSME. It becomes a problem due to the high level of competition that makes the amount of credit distribution in BPR Nusamba Cepiring decrease. This study aims to find out (1) the effect of credit procedure, (2) the effect of location, (3) the effect of BPR image, and the effect of credit interest towards the credit withdrawal decision of Kredit Harmoni Tepat Guna in BPR Nusamba Cepiring. The data in this study were collected using questionnaire survey. The population in this study was all clients of Kredit Harmoni Tepat Guna in BPR Nusamba Cepiring as many as 736 people. The sample used in this study was simple random sampling as many as 88 respondents. The research method used was the statistics method of multiple linier regression analysis. Based on the results of the study it can be seen that the credit procedures, location, BPR image, and credit interest have a positive effect on the decision to take the Kredit Harmoni Tepat Guna in BPR Nusamba Cepiring. With the coefficient of determination (adjusted R square) is 0,633 which shows that the variable of credit withdrawal decision that can be explained is 63,3 percent by the independent variable while the rest is 36,7 percent explained by other independent variable outside the model.