PENGARUH FAKTOR PSIKOLOGI KONSUMEN TERHADAP KEPUTUSAN MEMINJAM PADA UPK PNPM MANDIRI PERKOTAAN KOTA MATARAM

Abstract

The spearhead of PNPM Mandiri Perkotaan (National Program Of Community Empowwrment-Urban Project) in economic field is the Financial Management Unit which is trusted to distribute the venture capital to expecially the poor people. However, there have been many indications that what is faced by the Financial Management Unit (FMU) of the National Program of Community Empowerment (NPCE) is related to either the people habit or thought which may become the psychological factors for the community in proposing for aloan. This research is aimed at knowing the effect of such psychological factors as motivation, perception , the teaching, personality, and attitude on the the decision making to propose a loan to FMU_NPCE Urban Project in Mataram. This research is conducted by the FMU-NPCE Urban Project Mataram in six subdistricts of Mataram, Ampenan, Cakranegara, Selaparang, Sandubaya, and Sekarbela. This research is an associative research related to 100 respondents of Self-help Communiy Group. The respondents are selected through cluster-sampling. The data are collected through questionnaire and then analyzed with multiple regression analysis (MRA) using SPSS program. The research showed that motivation, perception, the teaching, personality, and the attitude prositively and significantly affect the decision. This research also showed that motivation dominantly affect the decision to propose a loan to FMU-NPCE Urban Project in Mataram.