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Safitri, Nurita
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Decision Sciences, Operations Research & Management Education Languange, Linguistic, Communication & Media Mathematics Other

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PERSEPSI NASABAH TERHADAP PENILAIAN KREDIT 5C OLEH BRI KCP UNIT GUSTI SITUT MAHMUD Safitri, Nurita
Jurnal Pendidikan dan Pembelajaran Khatulistiwa Vol 6, No 9 (2017): September 2017
Publisher : Jurnal Pendidikan dan Pembelajaran Khatulistiwa

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Abstract

Abstract The problem in this research is the customer perception through credit 5C value by Bank Rakyat Indonesia KCP Unit Gusti Situt Mahmud. The perception of Kredit Usaha Rakyat (KUR) customer is process which customer interpret the impression and experience gained in order to give meaning and interpret it. Data accumulation technique in this research that: direct communication technique with interview guidance ,  direct observation technique with observation guidance,  documentary study technique in the form of documents. The technique of determining data credibility using technique triangulation. Data analysis technique consist of 3 that: data reduction, data display, and decision making. From the results of research on customer perception through credit 5C value by BRI KCP Unit Gusti Situt Mahmud was quite good result. However, the quality of credit service KUR less optimal and not efficient. This leads to  inefficiencies time and cost in the KUR submission process. This due to several factors including: a) Customers submit for KUR funds to bank are very crowded; b) the formation of employee is not comparable with many debtor submited for credit; c) Internet server in BRI office also sometimes disturbed ; d) Existence of credit file submission of KUR because employees mainly debtor identified. Keywords: : Kredit Usaha Rakyat (KUR) and credit 5C value  
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