CD Skripsi
Analisis Perbandingan Biaya Transaksi Dan Persepsi Peminjam Terhadap Prosedur Pinjaman Kredit Pada Lembaga Keuangan Di Desa Bunga Raya Kecamatan Bunga Raya Kabupaten Siak
ABSTRACT
Financial institutions have many forms, procedures and types, but not all financial
institutions can ease the community's economy. There are still many financial
institutions that make it difficult and burdensome for the people's economy.
Before getting a loan the borrower must go through various procedures that have
been set. This research was conducted with the aim of identifying the components
of transaction costs, analyzing the value of transaction costs, comparing the total
transaction costs imposed on each financial institution and analyzing the
borrowers' perceptions of credit loan procedures in Bunga Raya Village, Bunga
Raya District, Siak Regency. The village has three financial institutions namely
BUMKam Bungaraya, UPK Maju Bersama Bungaraya and BRI Bank Raya Raya
units. Descriptive analysis is used to identify components and calculate
transaction cost values. Transaction cost analysis is used to compare the analysis
of transaction cost. Analysis of borrower's perception 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 components and
magnitude of transaction costs at each financial institution in Bunga Raya Village.
The smallest total transaction costs are the BRI Bank Bunga Raya unit and the
borrower's perception of the BUMKam Bungaraya credit loan procedure gets an
average score in the good category, UPK Maju Bersama Bungaraya has a good
average score and the BRI Bank Bunga Raya Unit has an average average score.
Keywords: transaction costs, perception, financial institutions
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