4.3.3.2. The impact of loan
on the tax paid to the Government
The researcher sought to know if the government collected more
amount of the tax from the traders after getting the loan, all of respondents
agreed that the tax they paid to the government increased at different rate
depending on the amount of credit received, and the size of the business. Their
views were shown in the table below:
Table 4.10: The rate in which
the tax paid increased after getting the loan
|
The rate
|
Number of respondents
|
Percentage
|
|
Between 25% and 50%
|
43
|
89.5
|
|
More than 50%
|
5
|
10.5
|
|
Total
|
48
|
100.0
|
Source: Primary data
As indicated in the above table, a big number of traders
increased the tax that they paid to the government between 25 and 50% (89.5% of
the respondents), 10.5% increased the tax more than 50%.
This implies that the bank loan is not only important for the
traders but also for the government, because it collects more amount of tax
from the tax payers hence allowing it to increase capital to support and expand
its budgeting activities.
4.3.3.3. Respondents'
opinions on the novelty of the business in the area after getting the loan
The researcher also wanted to know if after getting the loan
the business has changed favorably to the consumers who live in the area in
which the traders extend their activities and the answers were summarized in
the following table.
Table 4.11: The novelty of the
business in the area after getting the loan
|
Answers
|
Number of respondents
|
Percentage
|
|
Availability of new products
|
14
|
29.2
|
|
Availability of high quality products
|
7
|
14.6
|
|
Availability of more existing products
|
17
|
35.4
|
|
Availability of new services
|
10
|
20.8
|
|
Total
|
48
|
100.0
|
Source: Primary data.
After the bank granted loan to traders, more existing products
were available on the market as it was shown by 35.4% of the respondents; 29.2%
purchased the new products, 20.8% offered the new services, and 14.6% availed
the high quality products to the customers.
This implies that people benefit from the credit gained by the
neighboring traders as there is improvement and development in the areas of
activities, they get more and better products and there is reduction of costs
because they don't pay the transport fees for acquiring goods away from their
residence.
4.3.3.4. The performance of
the business after getting the loan
The researcher was willing to know what happened to the
business itself when the traders got the credit from BPR S.A Kaduha sub-branch.
Here, he really wanted to know if there was improvement or expansion of the
business caused by the loan granting. The information that they gave was
summarized in the table below:
Table 4.12: The performance of
the business after getting the loan
|
Answers
|
Number of respondents
|
Percentage
|
|
Improvement of the business
|
9
|
18.8
|
|
Expansion of the business
|
34
|
70.8
|
|
Stagnation of the business
|
5
|
10.4
|
|
Slowing down of the business
|
0
|
0.0
|
|
Total
|
48
|
100.0
|
Source: Primary data
As it is shown in the table 4.12 there was improvement and
expansion of the business when the traders received the loan (as it is shown by
18.8% and 70.8% respectively). 10.4% confirmed that their commercial activities
remained unchanged. None of them said that his/her activities slowed down after
being financed by the loan.
As affirmed by the respondents, there was the improvement and
expansion of their businesses because of the raising of capital. The traders
whose business stagnated after getting the loan, it was due to the fact that
the rate of tax that the government collected from them increased more
proportionately to the improvement or the expansion of their activities or due
to the mismanagement of the amount received as credit or to other unexpected
event.
| 
