CD Skripsi

Analisis Perbandingan Biaya Transaksi Dan Persepsi Peminjam Terhadap Prosedur Peminjaman Pada Lembaga Keuangan Di Kecamatan Rimba Melintang Kabupaten Rokan Hilir

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ABSTRACT
Poverty is one of the basic problems that Indonesia is still facing. In
response to this, the government issues a policy to improve the economic capacity
of the community, through financial institutions as a source of capital. Financial
institutions have different goals and motivations, so they have some differences in
the determination of lending procedures and transaction fees applied, which will
affect the perceptions of borrowers. This research is conducted at the BRI
financial institution and Sharia Cooperatives (BMT AGROMADANI) in Rimba
Melintang Sub-district, Rokan Hilir Regency. This study aims to: First, to identify
lending procedures. Second, to analyze the comparison of the amount of
transaction costs. Third, to analyze the perception of the borrower. This study
uses a survey method with the sampling technique used is purposive sampling and
the number of samples used in this study as many as 10 borrowers taken from
each of the financial institutions. The results of the study explain that the more
procedures or stages that are applied, the financial institutions will take longer to
process loan or financing. BRI financial institution is more efficient in
determining transaction costs incurred by borrowers of Rp. 559,800, compared to
the Sharia Cooperative financial institution (BMT AGROMADANI) of Rp.
1,298,000. The average variable of borrowers' perceptions of lending procedures
in BRI financial institution is in the score range of 93.66 with very good
assessment criteria, while the Sharia Cooperative financial institution (BMT
AGROMADANI) in the score range of 81.66 with good assessment criteria.
Keywords: Transaction Costs, Financial Institutions, Borrowers’ Perception,
Borrowing Procedure

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Ketersediaan

Informasi Detail

Judul Seri

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No. Panggil

06 02. 121 (0036)

Penerbit

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

Deskripsi Fisik

ix, 79 hlm.; ill.: 29 cm

Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

06 02. 121 (0036)

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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