ANALISIS PERILAKU MASYARAKAT UMKM PASAMAN BARAT TERHADAP PEMANFAATAN KREDIT PROGRAM

Muniaty Aisyah, Asraf Asraf, Erdawati Erdawati

Abstract


Government efforts to improve the micro small and medium enterprises manifested in various programs such as financial aid programs like credit program. In the journey of credit program is not always smooth and the loan is still quite high. This study tries to analyze the behavior of credit program customers by implementing the Theory of Planned Behavior of Ajzen (1988). Measurement of variables with the instrument measured by Likert scale. Descriptive analyzes were performed to see whether or not the good level of each variable and regression studies to examine the relationship between the independent variable and dependent variable. The results showed that the intentions and behavior of the credit program customer is still low level. While the variables that influence a positive and significant impact on intentions are attitudes and perceived behavioral control are still categorized as low. That is the intention and the behavior of customers are still low originated from the attitudes and behavior control is low. Whereas subjective norm has been categorized quite good, but no significant effect on intentions and customer behavior. Implications of this research is : To develop the credit program should be improving the behavior, attitudes and perceived behavioral control of the credit program customers.

Keywords : attitude, subjective norm, perceived behavioral control, intention, behavior.

Full Text:

PDF

References


Anoraga, Pandji. 2000. Manajemen Bisnis, Edisi Kedua. Jakarta: Rineka Cipta

Assael,H. 1995. Consumer Behaviorand Marketing Action, 5thedition, SouthWestern College Publishing, Cincinatti, OH.

Baron, R.M. and Kenny, D.A. (1986). The moderator-mediator variable distinction in social psychological research: Conceptual, strategic, and statistical considerations. Journal of Personality and Social Psychology 51(6): 1173-1182.

CERTIF, Lembaga Sertifikasi Profesi Keuangan Mikro, Jl. Kemang Raya No. 35, Jakarta Selatan - 12730, Indonesia.

Ghozali, I. 2005. Aplikasi Analisa Multivariate dengan Program SPSS. Universitas Semarang. Indonesia.

Hendri Sukotjo dan Sumanto Radiz A (2010), Analisa Marketing Mix 7P terhadap keputusan pembelian produk klinik kecantikan teta, jurnal Mitra Ekonomi dan Manajemen Bisnis, vol 1 No. 2 Surabaya.

Kotler, Philip dan Keller, Kevin Lane. 2008. Manajemen Pemasaraqn. Jilid 2. Jakarta ; PT. Indeks.

Kotler, P. dan G. Amstrong (2001). Dasar-Dasar Pemasaran. Ed. 9. Jakarta. PT. Indeks Kelompok Gramedia.

Kotler, Philip (2000), Marketing Management, The Millenium Edition, New Jersey: Prence-Hall, Inc.

Kotler, P., Keller, Kevin Lane,. (2007). Manajemen Pemasaran II edisi duabelas. Jakarta: PT. Indeks

Kotler, Philip dan Keller, Kevin Lane (2011), Manajemen Pemasaran, Jilid I, Jakarta : PT. Erlangga.

Kuncoro, Mudrajat, (2003) Metode Riset untuk Bisnis dan Ekonomi. Jakarta : Erlangga.

Lamb, Hair, McDaniel. (2001). Pemasaran. Buku 1. PT. Salemba Emban Raya, Jakarta.

Laporan Bank Indonesia (2013), Statistik Bank Indonesia, Jakarta, www.bi.go.id

Liana, Lie (2009), Penggunaan MRA dengan Spss untuk Menguji Pengaruh Variabel Moderating terhadap Hubungan antara Variabel Independen dan Variabel Dependen, Jurnal Teknologi Informasi DINAMIK Volume XIV, No.2

Lupiyoadi, Rambat dan Hamdani, A (2008), Manajemen Pemasaran Jasa, Jakarta, Penerbit Salemba Empat.

Maholtra, Naresh K dkk. (2004), Marketing Research: An Applied Orientation, New South Wales : Prentice.

Morgan, Robert M & Hunt, ShelbyD. 1994. “The Commitment-Trust Theory of Relationship Marketingâ€, Journal of Marketing.

Kuncoro, M. 2003. Metode Riset untuk Bisnis & Ekonomi, Bagaimana Meneliti dan Menulis Tesis. Erlangga. Jakarta.

Parasuraman, A. 1997. “Reflections on Gaining Competitive Advantage Through Customer Value, â€Journal of The Academy of Marketing Science, vol.25.

Parasuraman, A,V.A.Zeithami and L.L. Berry. 1988. “ A Multiple- Item Scale for Measuring Consumer Consumer Perceptions of Service Quality, â€Journal of Retailing.

Rezky Purna Satit, Huam Hon Tat, Razli Amran, Thoo Ai Chin and Sukati Inda, 2012, The Relationship Between Marketing Mix and Customer Decision Making over Travel Agent: An Empirical Study, International Journal of Academic in Business and Social Sciences, June 2012, Vol 2 No. 6, Malaysia.

Rony Ika Setiawan (2010), Pengaruh atribut produk terhadap keputusan pembelian Pop Mie. Jurnal Kompilasi Ilmu Ekonomi, Vol. 2 No. 2, Blitar.

Sekaran, Uma. 2006. Research Method For Business. Salemba Empat. Jakarta.

Sefnedi (2013), pengaruh bauran pemasaran jasa pada keputusan mahasiswa memilih pascasarjana UBH Padang, e-jurnal Apresiasi Ekonomi, Sumbar.

Sepris Yonaldi (2011), Pengaruh Komunikasi Pemasaran Terpadu Program Untung Beliung Britama terhadap Keputusan Nasabah memilih Tabungan Britama. Padang: Jurnal Manajemen dan Kewirausahaan, Volume 2, Nomor 2.

Setyadharma, Adryan (2010), Uji Asumsi Klasik dengan SPSS, FE-UNS, Semarang.

Simamora, Hendry, (2003), Akutansi basis pengambil keputusan bisnis, Jakarta, Salemba Empat.

Singarimbun, Masri dan Effendi, Sofyan (1989) Metode Penelitian Survei, Jakarta: LP3ES.

Singgih Santoso, 2000, Latihan SPSS Statistik Parametrik. Jakarta: PT Elex Media Komputindo Gramedia.

Soetojo (2002), Dasar-dasar Ilmu Pemasaran, Jakarta, Pt. Gramedia.

Stanton, J. William (1996), Dasar-dasar Manajemen Pemasaran, Yogyakarta: BPFE

Singgih Santoso, 2000. Buku Latihan SPSS Statistik Parametrik, PT Elex Media Komputindo, Jakarta.

Sugiono, 2009. Metode Penelitian Bisnis. Penerbit Alfabeta, Bandung.

Swasta, Basu dan Tani, Handoko. 2002. Manajemen Pemasaran: Analisa dan Perilaku Konsumen. Yogyakarta : BPFE.

Swasta, Basu dan Irawan. 2003. Manajemen Pemasaran Modern. Yogyakarta : Lyberty.

Schiffman G. Leon and Kanuk Laslie Lazar, 2000, Perilaku Konsumen, edisi ke tujuh, Gramedia, Jakarta.

Sugiyono, 2007. Metode Penelitian Bisnis. Bandung, Alfabeta.

Sujoko (2007), Faktor-faktor yang mempengaruhi keputusan pemakaian jasa warnet, Jurnal Manajemen Pemsaran, Surabaya.

Swastha dan Irawan, 2005, Manajemen Pemasaran Modern, Liberty, Yogyakarta

Tjiptono, Fandy (2003), Strategi Pemasaran, Yogyakarta, Penerbit Andi.

Tjiptono, Fandy. 2002. Strategi Bisnis. Edisi Pertama. Yogyakarta : Penerbit Andi.

Tjiptono, Fandy. Chandra, Yanto. Diana, Anastasia. 2004. Marketing Scales. Yogyakarta : Andi

Zeithaml, Valarie A. and Mary Jo Bitner (2000), "Services Marketing," Jakarta, Gramedia.




DOI: https://doi.org/10.31846/jae.v3i3.169

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

e-Jurnal Apresiasi Ekonnomi Indexed by:

 

        Â