PEMANFAATAN KREDIT KONSUMTIF OLEH MASYARAKAT (STUDI KASUS DI DESA PULAU JAMBU KECAMATAN KUOK KABUPATEN KAMPAR)

Abstract

This study to find out why the people prefer to take advantage of consumer credit and
further to determine the factors that cause the public to use the credit facility, in this case the
researchers examined the existing communities in the villages of the Pulau Jambu Village
with the total households as 2893, they got the facility of credits from the stands amount 6
stands, while the amount of credit users in the stand as 643 people. Sampling technique that
uses is proposive sampling with the sample of 60 people with quantitative deskriptif analys,
the tools used in this study is a questionnaire, interviews and documentation, the theory that
used in this study is the social exchange theory from Homans. The research looked at humans
as beings who have various needs, and rarely encountered problems in repayment of
consumer credit, which affects their income to their behavior in the repayment of loans, the
respondents gave a good response to credit traders that look of this study increased the value
of a community perceives the benefits merchant credit, see the ease and drought provided by
the creditor to the consumers or customers, as beings who are never satisfied, they have a
variety of ways to meet the satisfaction or desire, as well as the use of credit fasilitar, is the
one way to meet their needs or desires goods or household products and others, than for the
needs and survival.
Keywords: Credit Utilization,. Consumptive Patterns