The Significance of Loyalty on Consumer Credit Risk Profitability  

Oleh:

Prihartono, Aditya Galih ; Sumarwan, Ujang ; Achsani, Noer Azam ; Kirbrandoko

Jenis: Article from Journal - ilmiah nasional - terakreditasi DIKTI
Dalam koleksi: Jurnal Keuangan dan Perbankan: Journal of Finance dan Banking vol. 13 no. 2 (Dec. 2011), page 159-179.
Topik: Loyalty; Consumer Credit; Credit Risk; Credit Loss; Profitability
Fulltext: The Significance of Loyality on consumer Credit Risk Profitability - Aditya Galih Prihartono - Vol.13_No_2_artikel 5.pdf (389.31KB)

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Perpustakaan Pusat (Semanggi) Nomor Panggil: JJ12 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

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The purpose of this research is to analyze and to test the effect of loyalty on consumer credit profitability. Loyalty Score was developed to determine the level of customer?s loyalty level through 4 main variables; Longevity, Depth, Breadth and Referrals. Cluster develop- ment by K means algorithm was then developed to segment the sample into its similar characteristics. The effect of Loyalty to profitability was further tested by ANOVA analysis to see the signifi- cance of loyalty on profitability. The result showed that loyalty significantly influences profitability where ANOVA result to the 3 loyalty cluters shows a significant value even when the custo- mers were under pressured due to capacity to pay issue. It was proven that customer in a different clusters has lower average profitability. The conclusion could be made by using data from personal loan customers in one of the biggest multinational bank in Indonesia during October 2010 until March 2011.

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