ANALISIS KARAKTERISTIK SOSIAL EKONOMI YANG MEMANFAATKAN JASA PEGADAIAN DI KOTA MEDAN

Abstract

In the preamble 1945 states that the aim of a state is to achieve the righteous
and prosperous people. In order to support the great and independent national
economy, the economic depelopment needs to get in appropriate order to increase
the peoples income and to overcome inbalanced economy and social gap. The
government gives some service, protection and welfare as its responsibility, so each
people can fulfill their needs to gain the welfare for those people who live in
Indonesia.
This research made to know the characteristic of social economic people
that use the government services such as pawnshop in Medan. It made also to know
whether there is a relationship or not between social economic characteristic and
service (the amount of money owed) in the pawnshop and to find out the most
dominant social economic characteristic in using the pawnshop in Medan.
The number of sample in this research is 170 which consist of 17 pawnshop
branch offices in Medan. Each office was given a questionnaire for 10 person who
used the pawnshops service. The tenth person were taken randomly. In findings, the
characteristics of social economy that is represented by the incomes factors, the
number of families and educations affects the amount of money owed and the most
dominat factor of it is the consumers income and the numbers of families . The
cause is the consumers income that regarded as one of the terms which should be
asked in having a loan, while the number of families is regarded as another cause of
the amount of the money owed. The bigger of the number of families influenced the
bigger needs, so that the pawnshop is chosen as the one of alternative ways to fulfil
the needs. The most dominant effect given by the social economic characteristic to
the amount of money owed is 55,7% and the rest is 44,3 % it is influenced by another
factors, such as the guarantee, the limit of time, the interest rate and administration
given to the consumers.