KEMIRIPAN DAN KEUNGGULAN KREDIT MODAL KERJA (KMK) BANK PEMBANGUNAN DAERAH BALI DENGAN BEBERAPA BANK PESAING

Abstract

The aim of this study were 1) to determine the similarity (similarity)
between product Working Capital Loan (KMK) BPD Bali with competing products.
2) to determine the debtor’s perception of the product Working Capital Loans (WCL)
BPD Bali and the products of its competitors. 3) to determine the superiority of
Working Capital Loans (WCL) BPD Bali compared with competing products. The data
analysis technique used is a multivariate analysis, the analysis of multidimensional
scaling (MDS) and Correspondence Analysis (CA). Based on the analysis of MDS
in particular two-dimensional perceptual map, customer perception of similarity
between the bank shows that the KMK BPD Bali has similarities with KMK BRI, while
KMK BNI has some similarities with Bank Mandiri. From the analysis of respondents’
perceptions CA KMK BPD Bali showed the same position with the KMK BRI with an
average score of 82.92 percent,. KMK BNI 46 with an average score of 84.42 percent,
KMK bank Mandiri of 84.33 percent while the WCL Danamon lowest perceived with
a score of 81.83 percent. KMK BRI BPD Bali and excels in ease of loan collateral
attributes, and attribute lending. While KMK BNI and Bank Mandiri has advantages
in the cost of provision and administration attributes, office location / room a
comfortable, personal approach and standard system attributes. While KMK Bank
Danamon has the advantage on account activity and attributes atributl advertising.