PENGARUH LITERASI KEUANGAN DAN FAKTOR DEMOGRAFI TERHADAP PROSES KEPUTUSAN PENGAMBILAN KREDIT USAHA RAKYAT (KUR) PADA BANK RAKYAT INDONESIA (BRI) KANTOR UNIT MANTINGAN, KABUPATEN NGAWI JAWA TIMUR

Abstrak

Financial institutions such as banks are often chosen by the people as a financial institution that provides funds or capital. Bank Rakyat Indonesia (BRI) through Kredit Usaha Rakyat (KUR) program help people in providing lending capital. Therefore, financial literacy or personal financial knowledge of the people is really needed to become guidelines the people in decision-making process of credits.

This research aims to determine the effect of financial literacy and demographic factors to the decision- making process Kredit Usaha Rakyat (KUR) at Bank Rakyat Indonesia Unit Office Mantingan, Ngawi, East Java. This research is quantitative desciptive data and causal analysis, respondents surveyed in this research  amounted to 251 customers of Bank Rakyat Indonesia (BRI) which  took the capital loan business credit or  Kredit Usaha Rakyat (KUR).

The result showed the financial literacy in the position 84,1% with a number of very good category and demographic factor at the 71,8% with good category. Based on the coefficienr of determination is obtained that the influence of financial literacy and demographic factor to the decision-making process of credit is 25,19%  and 74,81% of rest is affected by other factors such as intenal factor like life style, and psychologi factor. External factor like family effect and co-workers.

Keywords: financial literacy, demographic factor, taking credit, quantitative.