Analisis Perilaku Konsumsi Pengguna Pinjaman Dana Sehat (Studi Kasus Ibu Rumah Tangga di Dusun Tanggungan Timur, Desa Kedungwonokerto, Kecamatan Prambon, Kabupaten Sidoarjo)

Sifa Niyah Asiwatin, Sri Umi Mintarti

Abstract


Currently, credit is rife in various cities and villages from online credit to cash credit, and what happened in the East Dependent Hamlet was the existence of healthy credit funds. Dana Sehat members offer housewives to make credit. Because the consumption of housewives is very abundant and not infrequently the income received is not balanced with the expenses incurred. So that many housewives are interested in doing credit at Dana Sehat both to meet the additional needs of life and to satisfy their desires.

The focus of this research is (1) to find out the motives of housewives to make credit at Dana Sehat (2) to determine the consumption behavior of housewives who use Dana Sehat credit. In this research using an inductive approach. The research method is qualitative and the type of research is case study research. Data collection techniques in this study used observation, study and documentation techniques. Then the data collected will be analyzed using data reduction techniques, data presentation and drawing conclusions. After that, checking the validity of the data using source triangulation and technical triangulation.

The results of this study indicate that (1) the motive of housewives to do credit at Dana Sehat is that there is an offer so that housewives want to do credit. The reason for being interested in doing this credit is because there are conveniences when making credit, such as there are no terms or guarantees and the credit can be credited. But the interest given is very large, reaching 10%. (2) Consumption behavior of housewives after doing credit, namely consumption to satisfy desires (Irrational) and consumption for needs (Rational).

 

Keywords: Consumption Behavior, Housewives, Loan Users

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References


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