SEMARANG 2005
AUTHOR:
Donniy Sigit Nugroho
ABSTRACT:
Operationally, BRI Unit as a Micro Finance Institution performs several activities to small labour socities. The Micro Finance contains 90% from 39 millions corporates which is existing in Indonesia has some weakness such as traditionally management, lower labour quality, small market, lower information access has problem to fulfill their finance but from their profits, BRI Unit has an outstanding result. In many consideration, there is BRI Unit power (is the pioneer bank since 1973, with spread and known link work) with BRI Unit opportunity (small labour society, small business market potential which is still open, unready competitor bank, the loyal labour society to BRI Unit and as market leader more understand specify). The consistency of these benefit, BRI Unit have to fixed become outonomous (grow and expand). On the other hand, funding for small industrialist must be brought a benefit. How BRI Unit initiative to reach this. Doing the research with included factors of BRI Unit. By doing the analized the data, in fact these factors of BRI Unit significance influenced as the institute of micro finance agent. This research using Linier Regression with Classic Assumption including Normality, Multicolinierity, Heterokedasticity and Autokorelasi. Based on analized result, by implemented these factors (Accessibility, Simplicity, Sustainability, Non Subsidized, Demand. Driven, Transparancy) influenced the institute of micro finance agent. The six independent variable significant at 5% level of significance and determination coefficient (R2) = 98,7%. That result showed how strong relation between independent variable and dependent variable. T value has a higher value than t table showed accepted hypothesis, that means variable independent has positively influenced and significant into dependent variable.
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