CD Skripsi
Studi Kredit Rentenir Terhadap Pedagang Tradisional Simpang Empat Arengka Pekanbaru
The research was conducted on the traditional market traders Simpang Empat Arengka Pekanbaru. The purpose of this study was to determine the behavior and choices made merchant and moneylender loans lending impact on the development of business traders in traditional markets Simpang Empat Arengka Pekanbaru. Population in this research is the traditional trader Simpang Empat Arengka Pekanbaru user credit lenders totaling 151 people, while the study sample as many as 60 people.
Based on the results of this study concluded 1) the group is a fruit merchant trader biggest users, 2) large loans between 1 to 2 million dollars. 3) interest rate / month between 30% -40%. 4) the amount of installments under Rp 50.000, 5) how many times the term loan and the payment of a daily, 6) there is no guarantee in the credit process, 7) selection factors informal credit is a) a formal financial institution regulatory restrictions categorized agree. b) respond to the needs of moneylenders expertise categorized agree. c) due to impatience categorized agree. d) an urgent need to agree categorized. e) perception is more oriented to the needs of today categorized agree. f) the absence of alternative sources of funds categorized agree. 8) reason for choosing a loan shark) simpler, less bureaucratic and convoluted categorized agree. b) lenders as a friend / colleague categorized agree. c) mutual agree categorized know and trust. d) loan shark knows when to take money categorized agree. e) often go directly to the location of the business is categorized agree. 9) is a negative impact) exploitative benefit greatly categorized agree. b) a long time to reduce the consumption and production categorized agree. c) is used for reducing the consumption of productive activities categorized agree. d) consumption of convenience goods categorized under capacity agrees f) equity income categorized agree inhibit g) the short time causing trouble categorized agree. 9) is a positive impact) helps financial crisis categorized agree b) lenders may agree to increase consumption categorized. c) assist the production and profit categorized agree
Keywords: Kredit, Rentenir, Pedagang Tradisional.
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