ANALISIS KOMPARATIF MINAT PENGUSAHA MIKRO TERHADAP PENGAMBILAN KREDIT MIKRO KONVENSIONAL DAN SYARIAH PADA UKM KERAJINAN DAN MAKANAN KHAS KOTA BENGKULU (Studi Kasus Bank Bri Kota Bengkulu Dan Bank Muamalat Kota Bengkulu)

Hayu, Rina Suthia and Putri , Seprianti Eka (2014) ANALISIS KOMPARATIF MINAT PENGUSAHA MIKRO TERHADAP PENGAMBILAN KREDIT MIKRO KONVENSIONAL DAN SYARIAH PADA UKM KERAJINAN DAN MAKANAN KHAS KOTA BENGKULU (Studi Kasus Bank Bri Kota Bengkulu Dan Bank Muamalat Kota Bengkulu). Management Insight, 8 (2). pp. 1-25. ISSN 1978-3884

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Abstract

Abstract. The development of additional bank and the entrepreneur becomes a barometer to measure the success of the economy region . One way is to look at the development of the micro business lending growth (real sector) and also the growth of banking . The loan portfolio of small and medium micro enterprises ( SMEs ) in the province of Bengkulu in 2012 increased compared to 2011 . As is known in Bengkulu economic growth in 2012 of 6.61 % is much higher than the national growth rate of 6.45 percent. Has been the emergence of a new funding system being adopted into the current national banking system , namely the Islamic banking system apply for results (ratio). One example is Bank Muamalat is a pioneer in the national pioneering Islamic banking in Indonesia in the early 1990s . Conventional banks and also the development of Islamic banking in Indonesia is proof that the stimulus the economy began to grow in line with expectations of economic growth . The focus of this research is more focused on the elaboration of the interest in taking loans made by micro-entrepreneurs in the province of Bengkulu . Further, Grand theory is used to support the focus of this research is the Theory of Reasoned Action ( TRA ) triggered by Fishbein & Ajzen (1975). The purpose of this research is to Describing the Attitude (Ab) , Subjective Norm (SN) and SMEs Interests Crafts and Foods Bengkulu to the Behavioral Intention on the Conventional Micro Credit at Bank Rakyat Indonesia and Micro Credit at Bank Syariah Muamalat in Bengkulu city . The analytical tool used is Descriptive Weighted Average Analysis, Total respondents were 50 people . The results achieved in this study is, apparentlt that respondents prefer to pull through micro-credit lending Bank Syariah Muamalat that is with a total mean of 3.40 compared to the Bank Rakyat Indonesia with a total mean of 3.22 . The means in this case that the level of evaluation was more instrumental in motivating the food SMEs and crafts typical of Bengkulu city than the role of referent group j, which affect the interest of the respondents behave.

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