ANALISIS KEUNGGULAN BERSAING KREDIT MIKRO KUPEDES PT. BANK RAKYAT INDONESIA DI UNIT SEMPLAK CABANG DEWISARTKA BOGOR

Abstract

Kupedes is a credit facility provided by BRI Units (not by BRI Branches or other Banks), to develop or improve viable small businesses. Kupedes is a general credit that can finance all sectors of the economy and micro segment as long as it is not included in business activities that are prohibited to finance within the KUP BRI and PPK Micro Business.The purpose of this study is to determine whether the People's Business Credit (Kupedes) PT. Bank Rakyat Indonesia (BRI) Semplak Unit has Competitive Advantages and to know the dimensions that make up the competitive advantage of Rural Business Credit (Kupedes) PT.Bank Rakyat Indonesia Unit Semplak Branch Bogor.In this study using descriptive analysis techniques with data processing using the validity test, reliability test and sampling method using SPSS20 application from a sample of 100 respondents on customers Kupedes BRI.The result of research shows that credit of Kupedes BRI has competitive advantage from: cost leadership, differentiation, focus, innovation and quality and dimension which make competitive advantage Kupedes credit is: cost leadership 22.34%, differentiation 21.95%, focus 15.53%, innovation 19.41% and the quality of 20.77%. From the data of the respondents have the result of sexes dominated by men 62%, in terms of age dominated from> 35 years and above by 83%, and in terms of business is dominated by food stalls by 47% . It is not possible for the coming years the percentage of respondents' data may change because of the business of food stalls have a percentage that is not far away with food stalls only difference of 8% only. The results of the percentage of perdimensi and respondent data that creates a superior product or the creation of competitive advantage.