Pengaruh Persepsi dan Kepercayaan Terhadap Minat Nasabah Pembiayaan Kredit Usaha Rakyat di Bank BRI KC Majalaya

ABSTRACT

Desi Rahmawati, 2019, The Influence of Perception and Trust on the Interest of  the Influence Financing in BRI Bank Branch Officer Majalaya. STIBANKS Islamic Banking Department Al Ma’soem Bandung. Adviser: Faisal Rakhman. S.E., M.M. Mini Thesis, Chapter I-V, 60 Pages, 32 Attachment.

This study aims to determine the Influence of Perception and Trust in the Interest of People's Business Credit Financing at BRI Bank Brach Officer Majalaya. This is in the background of the decline in the number of People's Business Credit Financing customers in the past five years.

The object of research is the People's Business Credit Financing customers at BRI Bank KC Majalaya. This type of research is quantitative associative. Primary data collection techniques through questionnaires, and supplementary (secondary) data through observation, interviews and literature. The population amounted to 670 people, determining the sample using the Slovin method which based on calculations amounted to 87 people.

Testing the data using validity test, reliability test, data normality test, multiple correlation analysis, multiple regression analysis, coefficient of determination analysis, t test design, F test design which in its implementation uses the help of IBM SPSS Statistics version 20.

The results showed that the Perception variable (X1) affected the Interest (Y) of the Customers of People's Business Credit Financing at BRI Bank Brach Officer Majalaya by 29.2 % while Trust (X2) affected the Interest (Y) of People's Business Credit Financing at BRI Bank KC Majalaya for 41.4 %. Simultaneously Perception variables (X1) and Trust (X2) influence the Interest (Y) of People's Business Credit Financing in BRI Bank KC Majalaya by 45.0%.

Keywords: Perception, Trust, Interest and Financing of People's Business Credit.

ABSTRAK

Desi Rahmawati, Pengaruh Persepsi dan Kepercayaan Terhadap Minat Nasabah Pembiayaan Kredit Usaha Rakyat di Bank BRI KC Majalaya. Jurusan Perbankan Syariah STIBANKS Al Ma’soem Bandung. Pembimbing : Faisal Rakhman. S.E., M.M. Skripsi, Bab I-V, 59 Halaman, 32 Lampiran.

Penelitian ini bertujuan  untuk mengetahui mengenai pengaruh Persepsi dan Kepercayaan Terhadap Minat Pembiayaan Kredit Usaha Rakyat di Bank BRI KC Majalaya.  Hal ini di latar belakangi dari turunnya  jumlah nasabah Pembiayaan Kredit Usaha Rakyat dalam  kurun waktu lima tahun terakhir.   

Objek penelitian adalah nasabah Pembiayaan Kredit Usaha Rakyat di Bank BRI KC Majalaya.  Jenis penelitian bersifat kuantitatif asosiatif. Teknik pengumpulan data primer melalui angket, dan data pelengkap (sekunder) melalui observasi, wawancara dan studi pustaka. Populasi berjumlah 670 orang,  penentuan  sampel menggunakan metode Slovin yang berdasarkan perhitungan berjumlah  87 orang.

Pengujian data menggunakan uji validitas, uji reliabilitas, uji normalitas data, analisis korelasi berganda, analisis regresi berganda, analisis koefisien determinasi, rancangan  uji t,  rancangan  uji F yang dalam pelaksanaanya menggunakan bantuan  IBM SPSS Statistics versi 20. 

Hasil penelitian  menunjukkan bahwa variabel Persepsi (X1) berpengaruh terhadap Minat (Y) Nasabah Pembiayaan Kredit Usaha Rakyat di Bank BRI KC Majalaya sebesar 29,2%% sedangkan Kepercayaan (X2) berpengaruh terhadap Minat (Y) Pembiayaan Kredit Usaha Rakyat di Bank BRI KC Majalaya sebesar 41,4%. Secara simultan variabel Persepsi (X1) dan Kepercayaan (X2) berpengaruh terhadap Minat (Y) Pembiayaan Kredit Usaha Rakyat di Bank BRI KC Majalaya sebesar  45,0%.

Kata Kunci : Persepsi, Kepercayaan, Minat dan Pembiayaan Kredit Usaha Rakyat.