Analisis Efisiensi Pemberian Kredit Berdasar Segmen terhadap Pendapatan pada Pd Bpr Bkk Jepara Cabang Kedung

Abstract

The first objective of research is to analyze the contribution of credit and income based on market segment consisting of farmers, traders and employees. The second objective for knowing the relative efficiency of credit on income in each segment. The object of the research on PD BPR BKK Kedung Jepara Branch. The analysis was done using time series data over the period 2002 to 2007 with the ratio analysis technique. The data required are secondary data obtained from the BPR are collected by documentation. The study shows that the amount of loans and the proceeds have increased trend. The increase was driven by a segment of employees, while its farmers and traders tend to decrease. Analysis of efficiency in each segment indicates that the employees segment is efficient because the ratio is more than one, while the segment of farmers and traders are not efficient because the ratio is less than one