CD Skripsi

Analisis Perbandingan Biaya Transaksi Dan Persepsi Peminjam Terhadap Prosedur Peminjaman Pada Lembaga Keuangan Di Kecamatan Bantan Kabupaten Bengkalis

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ABSTARK
The financial sector in Indonesia is one of the sectors that has an important role in boosting the national economy and the people's economy. There are still many financial institutions that make it difficult and burdensome for the people's economy, because they have to pay higher transaction fees. The higher the transaction costs, the less efficient a financial institution is. Bantan District Bengkalis Regency is one of the districts that has several financial institutions including the Bank BRI, the UPK Bantan Pesisir and the Unit Usaha Simpan Pinjam BUMDesa Mandiri Sejahtera. This study aims to: first find out the borrowing procedure. Second, calculate the total amount of transaction costs. The third analyzes the borrower's perceptions of the borrowing procedures at each financial institution. This study used a survey method and the sampling technique used was purposive sampling, the number of samples was 30, where each financial institution was taken 10 samples. The results showed that the Unit Usaha Simpan Pinjam BUMDesa Mandiri Sejahtera had the most and lengthy loan procedure processes, namely 10 procedures, borrowers were more efficient in using the borrowing procedures at Bank BRI and UPK Bantan Pesisir. The KUR type of Bank BRI loan is more efficient in determining transaction costs because the total transaction costs are smaller than other financial institutions. Borrowers' perceptions of the borrowing procedure at Bank BRI get an average score in the very good category, while UPK Bantan Pesisir gets an average score in the good category, and the Unit Usaha Simpan Pinjam BUMDesa Mandiri Sejahtera gets an average score in the good category. However, there are still shortcomings in the variable speed of implementation in the financial institutions of the Unit Usaha Simpan Pinjam BUMDesa Mandiri Sejahtera, the borrower believes that there are still many obstacles in disbursing funds such as the slow process of disbursing loan funds. Keyword: Borrowing Procedures, Transaction Costs, Perceptions of Financial Institution Borrowers

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Ketersediaan

Informasi Detail

Judul Seri

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No. Panggil

06 02. 121 (0011)

Penerbit

Pekanbaru : Universitas Riau – Fakultas Pertanian - Agribisnsis., 2021

Deskripsi Fisik

xii, 29 hlm.; ill.: 29 cm

Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

06 02. 121 (0011)

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

AGRIBISNIS

Info Detail Spesifik

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Pernyataan Tanggungjawab

Daus

Versi lain/terkait

Lampiran Berkas

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