SKRIPSI FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH TERHADAP BANK PERKREDITAN RAKYAT BALI MAJUJAYA MANDIRI

d, 2008 THESIS. Title: “The Factors that influence client
enthusiasm to Bali Majujaya Mandiri credit bank (BPR), Tulangan,
Sidoarjo.”
Advisor: Irmayanti Hasan ST., MM.
Keywords: client enthusiasm, Bali Majujaya Mandiri credit bank
To improve the service in finances and to broaden its extent, Bali Majujaya
Mandiri credit bank supporting by the Society Education Program developed by
Bank of Indonesia in order to realizing the implementation of Indonesian Banking
Architecture which is well known as “Go to the Bank” movement that occupy
Bank as consumer’s friend. Besides to define banking product, this program also
raise the society’s trust to the bank. Considering trust of society represent
fundamental capital of bank business activity, whereas on another side there were
many event and also case, for example a manager a BPR in West Java run away
with client money or same thing happened in Lumajang, East Java, manager a
bank of Muamalah brought to turn tail client money and also because of effect of
the amount of bank which is merger because liquidation,and this case also hasever
been experienced by biggest stockholder of PT.BPR Bali of Majujaya Self-
Supporting that is Bali Bank which later; then merger became Permata Bank. With
this background,the researcherer is interested in conducting a research concerning
to that case.
This research is a quantitative research with a purpose to give information
about the Factors that influence client enthusiasm to Bali Majujaya Mandiri credit
bank (BPR), Tulangan, Sidoarjo. This research uses descriptive analysis to create
an overview about respondent and factor analysis to determine how much
variable influencing the client enthusiasm.
From the result of factor analysis, known that there are 28 items that has
Loading factor value up to 0,5 which describe 9 factors that influence client
enthusiasm to Bali Majujaya Mandiri credit bank (BPR), Tulangan, Sidoarjo. Those
nine factors are; Perception (X1), Place (X2), Product (X3), Motivation (X4), Physical
evidence (X5), Social Class (X6), Family (X7), Price (X8), and others non-commercial
sources (X9). Among others, perception has the biggest loading factor that is 0,860.
it makes this factor become the factor that gives the biggest contribution to
influence client enthusiasm to Bali Majujaya Mandiri credit bank (BPR), Tulangan,
Sidoarjo.

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