Analysis Of Factors Effecting Decision On Demand Loan In Government Bank

3185 words - 13 pages

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN PERMINTAAN KREDIT PADA PT BANK TABUNGAN NEGARA
CABANG MEDAN

Arlina Nurbaity Lubis1 dan Ganjang Arihta Ginting2
1 Staf Pengajar FE-USU 2 Alumni FE-USU

Abstract

This research aim to know and analyze factor influence level of interest rate KPR and customer service to demand decision of KPR at Bank Tabungan Negara, Co.Ltd Branch of Medan, and know factor having an effect on most dominant to demand decision KPR at Bank Tabungan Negara, Co.Ltd Branch of Medan.
The research method applied is descriptive analytical method and multiple regression analytical method. Sample applied in this research ...view middle of the document...

Pada sisi lain, Bank
harus dipenuhi oleh masyarakat maka pembelian yang mampu memberikan pelayanan yang
rumah secara tunai semakin sulit dilakukan, terutama memuaskan, pasti dapat menarik banyak debitur
bagi masyarakat yang tingkat ekonominya menengah sehingga mampu tumbuh dan berkembang.
ke bawah. Dengan demikian, pembelian rumah secara Pemberian kredit perbankan ke KPR
kredit dikalangan masyarakat menjadi pilihan yang berkembang cepat seiring terjadinya penurunan suku
sangat menarik. bunga perbankan selama tahun 2007. Statistik
Penyaluran kredit perbankan pada sektor Perbankan Indonesia (SPI) mencatat jumlah kredit
konsumsi mengalami peningkatan yang drastis sejak perbankan yang disalurkan ke KPR meningkat sebesar
Indonesia dilanda krisis ekonomi sepuluh tahun lalu. Rp 15,50 triliun yaitu 60,50 triliun pada tahun 2006
Hal ini terjadi karena banyaknya perusahaan- dan 76 triliun pada bulan Agustus 2007 (Info Bank,
perusahaan besar bangkrut sehingga sektor korporasi Edisi Januari 2008). Pertumbuhan KPR juga
sangat sedikit menyerap kredit dari bank. Bank-bank diprediksi akan naik 10% sampai 15% dari rata-rata
kemudian semakin menyadari bahwa peluang di pasar pertumbuhan KPR pada tahun 2007
konsumsi semakin besar, dimana resiko yang dihadapi (www.kompas.com, April 2008).
relatif lebih kecil dibandingkan dengan kredit pada Pada Tabel 1 dapat dilihat 10 peringkat bank-
pasar investasi. bank yang memiliki jumlah outstanding KPR terbesar
Terdapat beberapa jenis sektor konsumsi yang di Indonesia. Bank yang paling menguasai pangsa
dibiayai dengan kredit oleh bank, salah satunya adalah pasar dalam memberikan KPR kepada masyarakat
sektor perumahan melalui kredit pemilikan rumah adalah PT Bank Tabungan Negara (Persero). Tercatat
(KPR). Peningkatan pemberian KPR oleh bank-bank Bank BTN memiliki pangsa pasar sebesar 21,37 %
disebabkan masih banyaknya masyarakat yang dan nilai ini sangat jauh di atas bank-bank lainnya.

42

Jurnal Manajemen Bisnis, Volume 1, Nomor 2, Mei 2008: 42 - 47

|Tabel 1. Outstanding Kredit Pemilikan Rumah (KPR) Beberapa Bank Besar|
|per September 2007 |
|No. |Nama Bank |Nilai |Pangsa |Pyoy (%) |
| | |(Rp |Pasar | |
| | |Triliun) |(%) | |
|1. |Bank BTN |18.924 |21.37 |35.75 |
|2. |Bank Niaga |8.530 |9.63 |20.51 |
|3. |Bank Central Asia |7.208 |8.14 |78.59 |
|4. |Bank Panin |4.634 |5.23 |63.08 |
|5. |Bank Mandiri |4.501 |5.08 |25.94 |
|6. |Bank Negara Indonesia |4.050 |4.57 |70.74 |
|7. |Bank NISP |3.503 |3.96 ...

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