Persepsi pekerja tentang penerapan prinsip-prinsip Good Corporate Governance pada proses pemberian kredit dan loyalitas nasabah di Bank "X"
SOLECHAH, Any, Prof.Dr.Ir. Masyhuri
2006 | Tesis | Magister Manajemen AgribisnisPenelitian ini bertujuan untuk mengetahui ada tidaknya hubungan penerapan prinsip-prinsip GCG di bidang kredit secara bersama-sama terhadap loyalitas nasabah berdasarkan persepsi pekerja. Penelitian ini berlokasi di kantor Cabang BRI Gunung Sahari, Kramat, Otista, Jatinegara, Veteran dan Tanjung Priuk. Teknik sampling yang digunakan tidak memberi peluang sama bagi setiap anggota populasi untuk dipilih menjadi sampel tetapi menggunakan Purposive Sampling yaitu teknik penentuan sampel dengan memilih orang/pekerja yang menangani bidang kredit. Jumlah sampel seluruhnya sebanyak 50 orang. Data yang diperoleh dari responden dilakukan uji validitas dan uji reliabilitas dengan menggunakan program SPPS 10 for windows. Pengujian hipotesis dilaksanakan dengan menggunakan tehnik analisis Regresi linier berganda. Dalam penelitian ini terdapat dua variabel yang terdiri atas variabel independen yaitu : transparansi (X1), akuntabilitas (X2), pertanggungjawaban (X3), kemandirian (X4) dan kewajaran (X5) serta variabel dependen yaitu loyalitas nasabah pinjaman (Y). Hasil pengujian validitas dan reliabilitas diperoleh hasil bahwa r Alpha X1 (0,8053), X2 (0,6824), X3 (0,8233), X4 (0,6005) dan X5 (0,7476) lebih besar daripada r tabel (0,179). Dengan demikian bahwa butir-butir pertanyaan pada tiap faktor kualitas GCG (X1, X2, X3, X4, dan X5) adalah valid dan reliabel. Hasil analisis regresi linier ganda Y atas X1, X2, X3, X4, dan X5 menghasilkan persamaan garis regresi: Ŷ = 6,133 – 0,251 X1 + 0,451 X2 + 0,391 X3 - 0,327 X4 + 0,305 X5. Nilai R2 = 0,265, artinya sebanyak 26,5 persen pengaruh variabel dependen (Y) dapat dijelaskan oleh variabel-variabel bebas (Xi), sedangkan sisanya sebesar 73,5 persen dipengaruhi oleh faktor-faktor lain di luar model. Nilai adjusted R2 = 0,182, artinya sebanyak 18,2 persen variasi dari variabel dependen (loyalitas nasabah pinjaman BRI) dapat dijelaskan oleh variabel independen , sedangkan sisanya sebanyak 81,80 persen dijelaskan oleh variabel independen di luar model. F hitung (3,179) lebih besar dari pada F tabel (2,59), artinya variabel independen (transparansi, akuntabilitas, pertanggungjawaban, kemandirian, dan kewajaran), secara bersama-sama mempengaruhi loyalitas nasabah pinjaman BRI.
The applications of GCG principals consist of : transparently , accountability, responsibility and independently are main requirements for a company to develop and profits significantly. Creditors and stakeholder competition to joint business wit that company. Objective in this research is to find the relationship of GCG principals with the loyalty of debitur BRI. The research took place in Cabang BRI Gunung Sahari, Kramat, Otista, Jatinegara, Veteran and Tanjung Priok. The method of the research was survey and sample taken using saturated sample procedure. Where all population members were used as sample with total sample counted 50 persons. The questioner was disburse to the respondent had been done Validity and reliability test was performed using SPSS 10 for windows (computer program). Hypothesis examination was performed using multiple linear regression analysis. There are two kind of variables in this examination, they are independent variable : transparency (X1), accountability (X2), Responsibility (X3), Independency (X4), and fairness (X5) and the other variable is dependent variable : the loyalty of debitur BRI (Y). The result of validity and reliability examination shows that r Alpha X1 (0.8053), X2 (0.6824), X3 (0.8233), X4 (0.6005) and X5 (0.7476) are bigger than r from table (0.179). This result is also confirmed that every question in every factor of GCG quality (X1, X2, X3, X4 and X5) are valid and reliable. The result of multiple linear regression analysis Y for X1, X2, X3, X4 and X5 make a regression line equation : Y = 6.133 - 0.251 X1 + 0.451 X2 + 0.391 X3 - 0.327 X4 + 0.305 X5. Value R2 = 0.265, means that 26.5 percent dependent variable influent (Y) can be explained by independent variables (Xi), and the other 73.5 percent influenced by other factors outside the model. Adjusted value R2 = 0.182, this means that 18.2 percent variations of dependent variable (loyalty of debitur BRI) may be explained by independent variable, and the other 81.8 percent explained by independent variable outside the model. F calculation (3.179) is bigger than F from table (2.59), means that independent variable (transparency, accountability, responsibility, independency and fairness) influence the loyalty of debitur BRI.
Kata Kunci : Loyalitas Nasabah,Good Corporate Governance,Good Corporate Governance,Proses Pemberian Kredit
