PERSEPSI DAN SIKAP NASABAH DALAM MEMPEROLEH KREDIT USAHA AGRIBISNIS PADA BANK KONVENSIONAL DAN BANK SYARIAH
ABSTRACT: This research is
aimed to analyze customer perception and trust in getting agribusiness loans
from conventional and syariah banks and discovering efforts that had been and
should be done by those financial institutions. Descriptive analysis is used to
accomplish first and third purpose and multiatribut fishbein analysis is used
to accomplish the second purpose. Conventional banks have better customer
perceptions than the syariah due to its wide network, easier loan procedures.
Clearer operational systems, simple and easy to understand and good payment
opportunities. Customers have a greater trust to convensional banks than the
syariah since convensional banks are better known by agribusiness people. Not
only did the conventional banks make the effort to add and enlarge branch
offices both in the cities and in villages, they also made the loan procedure
more simple, easier and faster to get. Whilst the syariah banks are the other
and they hire people from conventional banks. Either conventional or syariah
banks should conduct the SOP audit as internal control so the bank can work
effectively, efficiently, safely, economically, orderly for the improvement of
banks performance.
Penulis: Himatus Sholihah,
Syarif Imam Hidayat, Nuriah Yuliati
Kode Jurnal: jppertaniandd140140
