FAKTOR - FAKTOR PENENTU KUALITAS HUBUNGAN DAN MANFAAT YANG DIHARAPKAN UKM PADA LAYANAN KREDIT PERBANKAN BERDASARKAN WILAYAH
2013
The purpose of this research is to seek antecedent factors forming relationship quality and benefit
expected by SME’s bank
customers on having their credit services. The data were collected using questionair
r
es being spread to 150 respondents in
three different areas:
metropolitan
, urban and sub urban. The data were then analyzed using factors analysis and discriminant
analysis to seek if any determining variables are able differ re
l
ationship quality and bene
fit expected between SME’s bank
customers in
metropolitan
, urban and rural areas. The limitations of this study is the models are tested only in East Java ar
ea
banking sectors, with
metropolitan
is represented by Surabaya, urban area is represented by Sido
arjo and Gresik, while sub
-
urban is represented by Mojokerto, Jombang, Kediri and some areas in Madura. This research finding i
s: that there were
different factors determining relationship quality and benefit based on the area, but the discrimina
nt analysi
s showed that the
variables prediction ability to differ is poor. The result of this study provides strategic options
for banking industry to d
evelop
their SME’s market share based on areas.
Keywords :
relationship quality, benefits, small medium enterpr
ises,
metropolitan
, urban, sub
-
urban
Keywords:
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