4.3.2.4. Respondents' opinion
on the extent to which the bank loan is helpful in financing trade
The researcher also investigated whether the bank loan is
supportive in financing trading activities in rural areas and the information
given is summarized in the in the table below:
Table 4.7: Respondents' opinion
on the extent to which the bank loan is helpful in financing trade
|
Answers
|
Number of respondents
|
Percentage
|
|
Strongly agree
|
27
|
56.3
|
|
Agree
|
21
|
43.7
|
|
Disagree
|
0
|
0.0
|
|
Strongly disagree
|
0
|
0.0
|
|
Total
|
48
|
100.0
|
Source: Primary data.
As indicated in the table above, all of the respondents (56.3%
+ 43.7%) agreed that the bank loan is helpful in financing trade in rural
areas.
From the above table, none of the respondents ignored the
importance of bank loan to finance the commercial activities, the researcher
then concluded by affirming that bank loan is helpful in financing trade.
4.3.2.5. Respondents' opinion
on credit services offered by BPR S.A Kaduha sub-branch
The researcher went further to know how the respondents
appreciate the credit services offered by BPR S.A Kaduha sub-branch and their
responses are shown in the table 4.7.
Table 4.8: Respondents' opinion
on credit services offered by of BPR S.A Kaduha sub-branch
|
Respondents' appreciation of credit services offered by
the bank
|
Number of respondents
|
Percentage
|
|
Very good
|
9
|
18.8
|
|
Good
|
34
|
70.8
|
|
Bad
|
5
|
10.4
|
|
Very bad
|
0
|
0.0
|
|
Total
|
48
|
100.0
|
Source: Primary data.
From the table above, 89.6% of respondents (18.8% + 70.8%)
appreciated the credit services offered by the bank, 10.4% did not agree with
the services delivered by their bank.
The information given above shows that the credit services
offered by BPR S.A Kaduha sub-branch are relatively good; the bank doesn't
create hardships that can prevent the traders from benefiting the credit
advantages. Because a small percentage of the respondents (10.4%) don't agree
with the credit services offered by their bank, improvement should be made.
4.3.3. The performance of
commercial activities supported by BPR S.A Kaduha sub-branch
The study intended to examine the performance of rural trading
activities financed by BPR S.A Kaduha sub-branch by asking various questions
related the profitability of the business, its impact in the area after being
financed by the loan, the impact on cash flow and employment and other related
questions. All the information provided by the respondents was summarized in
the subsequent tables.
4.3.3.1. The impact of loan
on the business
Asked if the bank loan permitted them to increase the stock of
the product they sell, cash inflow of the business and the sales volume of
products, all of the respondents agreed there was increase. For the sales
volume they gave the different reasons of this escalation which are mentioned
in the table below:
Table 4.9: The reasons of
increase of the sales volume after getting the loan
|
Reason of increase
|
Number of respondents
|
Percentage
|
|
Raising of capital
|
5
|
10.4
|
|
Availability of new various products
|
2
|
4.2
|
|
All above
|
41
|
85.4
|
|
Total
|
48
|
100.0
|
Source: Primary data.
As highlighted in the table 4.9, most of the traders (85.4%)
accepted that after they got the loan, they raised their capital and there was
the availability of the new product in the area of the activities this caused
the presence of the new and more customers for their products.
Basing on this information, bank loan is important in
increasing the capital and the consumers can buy more and new products from the
traders who obtained the credit.
| 
