Tingkat Suku Bunga, Brand Image Dan Kepercayaan Terhadap Penyaluran Kredit Di Pt. Bank Mandiri (Persero) Tbk Cabang Mandiraja Kabupaten Banjarnegara
Article Sidebar
Main Article Content
Abstract
Lending at PT. Bank Mandiri (Persero) Tbk Branch Mandiraja has fluctuations every year. Based on data, amount of lending in 2016 of 413 customers. In 2017 decreased to 386 customers. And in 2018 an increase of 462 customers. The occurrence of fluctuations is caused by several factors, including interest rates, brand image and trust.
This study aims to analyze the influence of interest rates, brand image and trust in lending at PT. Bank Mandiri (Persero) Tbk Branch Mandiraja Banjarnegara regency. This study used a questionnaire with 82 respondents as total sample. The sampling method used is probability sampling. The analytical method used in this research was multiple linier regression analysis.
The result showed that the interest rate variable had a negative and not significant effect on lending. The brand image variable had a positive and not significant effect on lending. The variable of trust had a positive and significant effect on lending. Based on the result of the R square test showed that interest rate, brand image and trust simultaneously affect the lending by 38,8%. Meanwhile, the remaining 61,2% show that the on lending variables is influente by other variable not includein this research.
Article Details
Retained Rights/Terms and Conditions of Publication
1. As an author you (or your employer or institution) may do the following:
- make copies (print or electronic) of the article for your own personal use, including for your own classroom teaching use;
- make copies and distribute such copies (including through e-mail) of the article to research colleagues, for the personal use by such colleagues (but not commercially or systematically, e.g. via an e-mail list or list server);
- present the article at a meeting or conference and to distribute copies of the article to the delegates attending such meeting;
- for your employer, if the article is a ‘work for hire’, made within the scope of your employment, your employer may use all or part of the information in the article for other intra-company use (e.g. training);
- retain patent and trademark rights and rights to any process, procedure, or article of manufacture described in the article;
- include the article in full or in part in a thesis or dissertation (provided that this is not to be published commercially);
- use the article or any part thereof in a printed compilation of your works, such as collected writings or lecture notes (subsequent to publication of the article in the journal); and prepare other derivative works, to extend the article into book-length form, or to otherwise re-use portions or excerpts in other works, with full acknowledgement of its original publication in the journal;
- may reproduce or authorize others to reproduce the article, material extracted from the article, or derivative works for the author’s personal use or for company use, provided that the source and the copyright notice are indicated, the copies are not used in any way that implies RCEPM-LIPI endorsement of a product or service of any employer, and the copies themselves are not offered for sale.
All copies, print or electronic, or other use of the paper or article must include the appropriate bibliographic citation for the article’s publication in the journal.
2. Requests from third parties
Although authors are permitted to re-use all or portions of the article in other works, this does not include granting third-party requests for reprinting, republishing, or other types of re-use. Requests for all uses not included above, including the authorization of third parties to reproduce or otherwise use all or part of the article (including figures and tables), should be referred to RCEPM-LIPI by going to our website athttp://telimek.lipi.go.id.
3. Author Online Use
- Personal Servers. Authors and/or their employers shall have the right to post the accepted version of articles pre-print version of the article, or revised personal version of the final text of the article (to reflect changes made in the peer review and editing process) on their own personal servers or the servers of their institutions or employers without permission from RCEPM-LIPI, provided that the posted version includes a prominently displayed RCEPM-LIPI copyright notice and, when published, a full citation to the original publication, including a link to the article abstract in the journal homepage. Authors shall not post the final, published versions of their papers;
- Classroom or Internal Training Use. An author is expressly permitted to post any portion of the accepted version of his/her own articles on the author’s personal web site or the servers of the author’s institution or company in connection with the author’s teaching, training, or work responsibilities, provided that the appropriate copyright, credit, and reuse notices appear prominently with the posted material. Examples of permitted uses are lecture materials, course packs, e-reserves, conference presentations, or in-house training courses;
- Electronic Preprints. Before submitting an article to an MEV Journal, authors frequently post their manuscripts to their own web site, their employer’s site, or to another server that invites constructive comment from colleagues. Upon submission of an article to MEV Journal, an author is required to transfer copyright in the article to RCEPM-LIPI, and the author must update any previously posted version of the article with a prominently displayed RCEPM-LIPI copyright notice. Upon publication of an article by the RCEPM-LIPI, the author must replace any previously posted electronic versions of the article with either (1) the full citation to the work with a Digital Object Identifier (DOI) or link to the article abstract in MEV journal homepage, or (2) the accepted version only (not the final, published version), including the RCEPM-LIPI copyright notice and full citation, with a link to the final, published article in journal homepage.
4. Articles in Press (AiP) service
RCEPM-LIPI may choose to publish an abstract or portions of the paper before we publish it in the journal. Please contact our Production department immediately if you do not want us to make any such prior publication for any reason, including disclosure of a patentable invention.
5. Author/Employer Rights
If you are employed and prepared the article on a subject within the scope of your employment, the copyright in the article belongs to your employer as a work-for-hire. In that case, RCEPM-LIPI assumes that when you sign this Form, you are authorized to do so by your employer and that your employer has consented to the transfer of copyright, to the representation and warranty of publication rights, and to all other terms and conditions of this Form. If such authorization and consent has not been given to you, an authorized representative of your employer should sign this Form as the Author.
6. RCEPM-LIPI Copyright Ownership
It is the formal policy of RCEPM-LIPI to own the copyrights to all copyrightable material in its technical publications and to the individual contributions contained therein, in order to protect the interests of the RCEPM-LIPI, its authors and their employers, and, at the same time, to facilitate the appropriate re-use of this material by others. RCEPM-LIPI distributes its technical publications throughout the world and does so by various means such as hard copy, microfiche, microfilm, and electronic media. It also abstracts and may translate its publications, and articles contained therein, for inclusion in various compendiums, collective works, databases and similar publications
References
Aprilia Safitri, Vita. 2018. Pengaruh Kualitas Pelayanan, Promosi dan Kepercayaan Terhadap Keputusan Nasabah Melakukan Pembiayaan Kredit Usaha Rakyat (KUR) dengan Brand Image Sebagai Variabel Intervening pada Bank BRI Syariah KCP Demak. Skripsi. Salatiga: Institut Agama Islam Negeri Salatiga.
Ariani, Yurike, dkk. 2016. Pengaruh Kualitas Pelayanan dan Citra Perusahaan terhadap Keputusan Nasabah untuk Menabung Pada Bank Rakyat Indonesia Cabang Solok. Jurnal Fakultas Ekonomi. Vol. 9 No. 2.
Badaruddin. 2011. Pengaruh Tingkat Suku Bunga Terhadap Penyaluran Kredit Konsumtif pada PT. Bank Rakyat Indonesia Tbk Cabang Sungguminasa. Jurnal STIE-Nobel-Indonesia.
Bilson, Simamora. 2008. Panduan Riset Perilaku Konsumen. cetakan ketiga.
Boediono. 2014. Ekonomi Internasional - Pengantar Ilmu Ekonomi No. 3. Yogyakarta: BPFE-Yogyakarta.
Dahlan Siamat. 2007. Manajemen Lembaga Keuangan. Jakarta: Lembaga Penerbit FEUI.
E Case, Karl. dan Fair, C Rai. 2010. Prinsip- prinsip Ekonomi Makro. Jilid 2. Jakarta: Erlangga.
Farida, Jasfar. 2009. Manajemen Jasa. Bogor: Ghalia Indonesia.
Firdaus, Rachmat dan Maya Ariyanti. 2009. Manajemen Dana Bank. Bandung: STIE INABA.
Ghozali, Imam. 2011. Aplikasi Analisis Multivariate dengan Program IBM SPSS
19 edisi V. Semarang: Universitas Diponegoro.
Hari Pratama, Ramdhani. 2013. Analisis Pengaruh Diferensiasi Produk, Kualitas Pelayanan dan Citra Merek Terhadap Keputusan Konsumen Menggunakan Jasa Perbankan Syariah (Studi Kasus pada Bank Syariah Mandiri Kota Semarang. Skripsi. Semarang: Universitas Diponegoro Semarang.
Harjito, Agus dan Martono, 2011. Manajemen Keuangan. Edisi Kedua, Cetakan Pertama. Yogyakarta: EKONISIA.
Hasniar. 2016. Pengaruh Tingkat Suku Bunga Kredit Terhadap Permintaan Kredit Modal Kerja (KMK) pada PT. Bank Rakyat Indonesia (Persero) Tbk Kantor Cabang Jeneponto di Kabupaten Jenponto. Skripsi. Makasar: Universitas Negeri Makasar.
Ismail. 2010. Manajemen Perbankan dari Teori Menuju Aplikasi. Jakarta: Kencana.
Kasmir. 2014. Dasar-Dasar Perbankan.
Jakarta: PT Raja Grafindo Persada.
Kothler, Philip. 2009. Manajemen Pemasaran.
Jakarta: Prenhallido.
dan Garry Amstrong. 2008. Prinsip-prinsip pemasaran. Jakarta: Erlangga.
dan Keller. 2012. Manajemen Pemasaran Perspektif Asia. Buku Dua, Edisi Pertama. Yogyakarta: Andy.
Kuslin. 2018. Analisis Pengaruh Suku Bunga, Nilai Tukar dan Inflasi Terhadap Permintaan Kredit Konsumsi di Sulawesi Selatan Thun 200-2016. Skripsi. Makasar: .UIN ALALUDDIN Makasar.
Mamang, Sangadji E. dan Sopiah. 2013. Perilaku Konsumen. Pendekatan Praktis disertai: Himpunan Jurnal Penelitian. Yogyakarta: Penerbit Andi.
Muchdarsyah, Sinungan. 2008. Manajemen Dana Bank. Edisi ke Empat. Jakarta: Bumi Aksara.
Nugroho. J. Setiadi. 2008. Perilaku Konsumen.
Jakarta: PT. Kencana.
Rahmawati, Eva Sheilla. 2007. Analisi pengaruh kualitas layanan dan citra merek terhadap minat beli dan dampaknya terhadap keputusan pembelian. Skripsi. Semarang (ID): Universitas Diponegoro Semarang.
Rangkuti, Freddy. 2011. Riset Pemasaran.
Jakarta: Gramedia Pustaka Utama.
Stephen Robbins-Timothy A. Judge. 2008. Perilaku Organisasi (Organizational Behavior) Terjemahan: Diana Angelica, Buku 2, Jakarta (ID) Salemba Empat.
Sugiyono. 2009. Metode Penelitian Administrasi. Bandung: Alfabeta.
. 2018. Metode Penelitian Kuantitatif.
Bandung: Alfabeta.
Sunariyah. 2011. Pengantar Pengetahuan Pasar Modal. Edisi Ke 6. Yogyakarta: UPP AMP YKPN.
Suryani, Tatik. 2008. Perilaku konsumen. Implikasi pada strategi pemasaran. Yogyakarta: Graha Ilmu.
Sutarno. 2009. Aspek-Aspek Hukum Perkreditan pada Bank. Bandung: Alfabeta.
Suyatno, Thomas, dkk.. 2007. Dasar–Dasar Perkreditan, Edisi Keempat, Cetakan Kesepuluh. Jakarta: PT. Gramedia Pustaka Utama.
Syofian, Siregar. 2017. Statistik Parametrik untuk Penelitian Kuantitatif. Jakarta: Bumi Aksara.
Tajudin, Makhdaleva Hanura. 2017. Pengaruh Promosi, Kepercayaan dan Kesadaran Merek Terhadap Keputusan Nasabah Menggunakan Produk Tabungan Haji (Mabrur) Bank Syariah Mandiri KCP
Sawangan. Skripsi. Univeristas Islam Negeri Syarif Hidayatullah.
Tjiptono, Fandy. 2008. Strategi Pemasaran.
Edisi ketiga. Yogyakarta: Andy.
Ujang Sumarwan. 2011. Perilaku Konsumen Teori dan Penerapannya dalam Pemaasaran. Bandung: Ghalia Indonesia.
Undang-undang No. 10 Tahun 1998. Tentang Perubahan Atas Undang-undang No. 7 Tahun 1992 mengenai Perbankan.
Wardana, Dwiyadi Surya. 2011. Pengaruh Kepribadian Konsumen pada Pilihan Merek sebagai Konsep Diri pada Kategori Produk. Skripsi. Sekolah Tinggi Ilmu Ekonomi Widya Manggala.
Wibowo, Aldrin dan Susi Suhendra. 2009. Analisa Pengaruh Nilai Kurs, Tingkat Inflasi dan Tingkat Suku Bunga terhadap Dana Pihak Ketiga pada Bank Devisi di Indonesia (Periode Triwulan I 2003 – Triwulan III 2008). Jurnal Penelitian dan Pengembangan Sains & Humaniora. JPPSH, Lembaga Penelitian Undiksha.