PEMETAAN PROFIL BANK PERKREDITAN RAKYAT DI KABUPATEN HULU SUNGAI UTARA

Abstract

Bank Perkreditan Rakyat is bank accepting saving only in the form of time deposit, other form  saving that likened with and alocation fund as effort BPR. BPR purpose  to support national development in frame work to improving generalization, economic growth and stability of national to  improvement of publics prosperity. Purpose of this research is to know generality condition, human resource structure, structure of finance balance, condition of competition and condition of eksternal of BPR Regency of HSU. Result of this research conclude that from two sampel BPR  all chosening near by location with market or economic activity  in subdistrict region. Quality of human resource which not yet adequate, either in level of manajerial and also  operational cause height  expense of overhead in operational of BPR. Height  rate of interest  credit of BPR  because  expense of overhead  together with fund expense (cost of funds), really is not represent constraint meaning to all debitor of BPR. This matter is proven with increasing debitor of BPR  during 2 the last year. There are preference change  behavior of client BPR having the character of emotional market that is  loyality customer having strong emotional with BPR  caused  according to social characteristic become more rational market calculate on profit or loss in transacting with BPR. The mentioned pushing  increasing  good competition between BPR and also with Bank Umum so that progressively complicate BPR in funding and pushing higher  cost of funds BPR. Competition faced by BPR come from the other BPR,  Micro Financial Institution like BMT and also with Bank Umum with having small unit or branch in rural area.