CD Skripsi
Analisis Perbandingan Biaya Transaksi Dan Persepsi Peminjam Terhadap Prosedur Pinjaman Kredit Pada Lembaga Keuangan Di Desa Sei Lambu Makmur, Kecamatan Tapung, Kabupaten Kampar
Financial institutions have different goals and motivations, both
cooperatives and village-owned enterprises, resulting in differences in
determining loan procedures, loan terms, transaction cost components, transaction
costs and customer perceptions of credit loans. This research was conducted in Sei
Lambu Makmur Village, Tapung District, Kampar Regency. Identification of
terms and procedures for credit loans are analyzed using descriptive analysis,
comparative analysis of transaction cost quantities using transaction cost analysis
guided by Anggraini (2005), Borrower's perceptions analysis is measured using an
ordinal scale, which is guided by the Likert's Summated Rating Scale (LSRS).
The results of the study explained that there were differences in the procedures
and conditions set by each financial institution, where the Mekar Jaya Palm Oil
Cooperative was easier to determine loan terms and procedures. BUM Desa
Makmur Bersama is more efficient in determining transaction costs in the amount
of Rp.92,500 compared to Mekar Jaya Palm Oil Cooperative in the amount of
Rp.148,000. Borrowers' perceptions of financial institutions in Sei Lambu
Makmur Village are included in the good category, but for the average score of
the Mekar Jaya Palm Oil Cooperative is higher than the BUM Makmur Bersama
Village Savings and Loan business unit.
Keywords: transaction costs, perception, financial institutions
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