Setiap lembaga keuangan pasti selalu berupaya untuk meningkatkan kepuasan nasabah melalui pelayanan yang diberikan karyawan. tidak terkecuali dengan BPR kota kediri yang senantiasa melayani nasabah dengan sepenuh hati. Perusahaan ini selalu menjaga kinerja karyawan agar tetap stabil salah satunya dengan memberikan pelatihan “service excellence”dengan tujuan agar karyawan memiliki kinerja yang baik dan meningkat setiap tahunnya. Penelitian ini bertujuan untuk melihat perbedaan kinerja karyawan BPR Kota Kediri sebelum dan sesudah mengikuti pelatihan service excellence. Pendekatan dalam penelitian ini adalah kuantitatif dengan teknik deskriptif komparatif. Populasi dalam penelitian ini adalah seluruh karyawan BPR Kota Kediri dan sampelnya adalah karyawan, kepala kas dan kepala bagian yang berjumlah 30 orang dengan teknik purposive sampling. Instrumen penelitian ini menggunakan kuisioner. Teknik analisis menggunakan uji normalitas data sebagai dasar penentuan analisis selanjutnya. Jika data bersifat normal maka dilakukan uji paired sampel t test dan jika tidak normal maka menggunakan uji wilcoxon. Hasil penelitian menyebutkan bahwa terdapat perbedaan yang signifikan kinerja karyawan BPR Kota Kediri sebelum dan sesudah mengikuti pelatihan service excellence yang dilihat dari pemahaman pekerjaan/kompetensi, kualitas/kuantitas kerja, inisiatif/ komitmen, kreativitas, kerjasama, kemampuan membangun hubungan dengan orang lain, kemampuan komunikasi.
Penelitian ini bertujuan untuk 1) Menganalisis pengaruh word of mouth terhadap keputusan pengambilan kredit dilembaga perkreditan desa “marto nugroho” desa rowomarto kecamatan patianrowo kabupaten nganjuk, 2) Menganalisis pengaruh lokasi terhadap keputusan pengambilan kredit dilembaga perkreditan desa “marto nugroho” desa rowomarto kecamatan patianrowo kabupaten nganjuk, 3) menganalisis word of mouth dan lokasi terhadap keputusan pengambilan kredit dilembaga perkreditan desa “marto nugroho” desa rowomarto kecamatan patianrowo kabupaten nganjuk. Populasi dalam penelitian ini adalah seluruh nasabah aktif dan non aktif lembaga perkreditan desa “marto nugroho yang berjumlah 150 orang. Jumlah sampel yang digunakan adalah 60 responden dengan teknik penentuan sampel menggunakan rumus Slovin. pengambilan data dengan menggunakan kuisioner. Teknik analisa data menggunakan analisis regresi linier berganda dengan uji t untuk menganalisis pengaruh parsial dan uji F untuk menganalisis pengaruh simultan. Berdasarkan analisis tersebut diperoleh bahwa tingkat signifikan uji F sebesar 0,000 (p<0,05), hal ini berarti word of mouth dan lokasi berpengaruh signifikan terhadap keputusan pengambilan kredit di lembaga perkreditan desa “marto nugroho” desa rowomarto kecamatan patianrowo kabupaten nganjuk. Disisi lain berdasarkan hasil uji t dapat diketahui bahwa secara parsial word of mouth berpengaruh signifikan terhadap keputusan pengambilan kredit di lembaga perkreditan desa “marto nugroho” desa rowomarto kecamatan patianrowo kabupaten nganjukt signifikansi 0,000 (p<0,05). Sedangkan lokasi secara parsial juga berpengaruh signifikan terhadap keputusan pengambilan kredit di lembaga perkreditan desa “marto nugroho” desa rowomarto kecamatan patianrowo kabupaten nganjuk dengan nilai signifikansi uji t sebesar 0,000 (p>0,05). Variabel word of mouth lebih dominan berpengaruh karena nilai beta lebih besar dibanding variabel lokasi yaitu 0,466
<p>This study aims to 1) Describe the characteristics of the merchants of the market in the setono betek kediri which includes age, education level, family burden and work experience dependent on the access of capital to develop their business, 2) to analyze the relationship between the characteristics of the merchant of the market in the setono betek kediri towards their capital access to develop their business .The population in this study were vegetables and food street vendors, amounting to 120 traders. The number of samples used was 55 respondents with sampling technique using Slovin formula. The analysis used is Chi Square is to see the relationship between traders characteristics with access to their capital in developing their business. The results showed that the age of traders has a relationship to access capital, this is evidenced by the value of perason chi square 0.000 <0.05. The level of education of traders is also associated with capital kases with pearson chi square value 0.001 <0.05. The number of dependents of family burden is related to access to capital with pearson chi square value 0.001 <0.05. The work experience of traders is related to their capital access in developing the business with pearson chi square value 0.005 <0.05.</p><p><br />Key words : Age, education level, family burden, work experience, street vendors</p>
<p>One of the objectives of credit is to move the wheels of the regional economy. Especially for the small and medium enterprises (SMEs) trade and micro sector, which is now booming because it can improve the household economy. Various financial institutions offer various types of loans with attractive facilities and according to the needs of the target market. Therefore, today's society is demanded to be smart in accessing credit at bank financial institutions. Including the People's Credit Bank (BPR) Kota Kediri which also competes in offering loans that are in accordance with the wishes of the people in the Kediri region and its surroundings. The sample used in this study amounted to 97 customers. This study uses a quantitative approach with factor analysis techniques using principal component analysis (PCA). The result is that there are six groups of factors that influence customers in taking credit with a cumulative diversity value of 59,671. Factor I consists of variations in time period, loan nominal and service has an eigenvalue of 2.935 and total diversity value of 18.343%. Factor II consisted of reasons for interest rates, repayment deductions and requirements having an eigenvalue of 1.590 and a total diversity of 9.936%. Factor III consisted of variations in interest rates and flexible time periods having eigenvalues of 1.552 and total diversity of 9.701%. Factor IV consists of a credit process and the service schedule has an eigenvalue of 1.2282 and a total diversity of 8.014. Factor V consists of loans as needed and flexible guarantees have an eigen value of 1.165 and a total diversity of 7.284. Factor VI is a lack of requirements following with an eigen value of 1.023 and a total diversity of 6.394.<br />Key words : Decision on taking credit, Factor Analysis, BPR in Kediri City</p>
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