Pengaruh Mekanisme Screening, Pemberian Insentif Dan Hubungan Sosial Bank Dengan Nasabah Dalam Mengurangi Masalah Agency Kredit Pada Bank Perkreditan Rakyat Di Indonesia

The aims of this study are to examine (1) the performance of credit customer attribute screening, (2) the performance of credit project attribute screening, (3) the performance of incentive giving in form of credit payment motivation, (4) the performance of giving program in form of credit facility, (5) Bank social relationship program through customers, (6) the impact of credit customer attribute screening, project attribute, credit payment motivation, lending credit facility, and Bank social relationship program through customers in decreasing credit agency problem at BPR in Indonesia. The sample determinations were conducted by using simple random sampling technique. It means that samples were taken from the population of BPR credit customers randomly and all population members were given the chance to be a sample. The totals of samples were 142. Data were analyzed by using regression analysis technique. The result of this analysis shows that: first, the research variable which can affect the decreasing number of credit agency in BPR in this research is the variable of motivation program to pay credit in form of giving reward to the customers who paid on time and variable of lending facility program in form of giving the low interest for the next credit. Second, the research variable which does not affect to the decreasing number of agency problem is variable of credit project attribute screening in form of customer’s guarantee. Variable of credit customers attribute screening in form of his guarantee and variable of Bank social relationship program through customers in form of reminding through telephone to pay installment. Third, there is significance affect of project attribute screening, credit customers attribute screening, lending facility program and Bank social relationship program through customers in decreasing credit agency problem in BPR in Indonesia.Keywords: credit agency, incentive, screening mechanism, social relationship, customers.AbstraksiTujuan penelitian ini adalah untuk mengkaji penerapan screening atribut nasabah kredit dalam mengurangi masalah agensi kredit pada BPR di Indonesia. Kedua, mengkaji penerapan screening atribut proyek kredit dalam mengurangi masalah agensi kredit pada BPR di Indonesia. Ketiga, mengkaji penerapan pemberian insentif berupa program motivasi pelunasan kredit dalam mengurangi masalah agensi kredit pada BPR di Indonesia. Keempat, mengkaji penerapan pemberian insentif berupa program pemberian fasilitas pinjaman (kredit) kembali dalam mengurangi masalah agensi kredit pada BPR di Indonesia. Kelima, mengkaji Program hubungan sosial bank terhadap nasabah dalam mengurangi masalah agensi kredit pada BPR di Indonesia. Keenam, mengkaji pengaruh screening atribut nasabah kredit, atribut proyek, pemotivasian pelunasan kredit, fasilitas pinjaman (kredit) kembali dan hubungan sosial bank dengan nasabah dalam mengurangi masalah agensi kredit pada BPR di Indonesia. Penentuan sampel dilakukan dengan menggunakan teknik simple random sampling. Jumlah sampel yang diperoleh sebanyak 142. Data dianalisis dengan menggunakan teknik analisis regresi. Hasil analisis menunjukkan bahwa Variabel penelitian yang dapat mempengaruhi berkurangnya masalah agensi pada kredit di BPR, dalam penelitian ini, adalah Variabel Program Motivasi melunasi Kredit berupa pemberian hadiah kepada nasabah yang tepat waktu melunasi kredit dan Variabel Program fasilitas pinjaman kembali berupa pemberian bunga ringan pada kredit berikutnya. Kedua, Variabel penelitian yang tidak mempengaruhi berkurangnya masalah agensi kredit, dalam penelitian ini, adalah Variabel Screening atribut proyek kredit berupa jaminan yang dimiliki nasabah, Variabel screening atribut nasabah kredit berupa barang jaminan yang dimiliki sendiri, dan Variabel program hubungan sosial bank dengan nasabah berupa mengingatkan lewat telepon untuk membayar angsuran. Ketiga, terdapat pengaruh signifkan screening atribut proyek, screening atribut nasabah kredit, program motivasi pelunasan kredit, program fasilitas pinjaman (kredit) kembali dan program hubungan sosial bank dengan nasabah terhadap pengurangan masalah agensi dalam kredit pada BPR di Indonesia.Kata kunci: agensi kredit, hubungan sosial, insentif, mekanisme screening, nasabah.