Membangun Hubungan Berkelanjutan Sektor UMKM dan Perbankan

Basir S, Maretha Ika Prajawati

Abstract


SMEs hope that their relationship with banks will provide them with ease in accessing capital and financing accordingly, with reasonable costs and conditions, where they expect a mutually beneficial and sustainable relationship in the future. The loyalty of SMEs in using banking services, the length of their relationship and reciprocal relationship shows that SMEs benefit from this relationship. One key element in their relationship is mutual trust. The results of the research show that trust affects effective commitment (affective commitment). Social bonding to affective commitment has a positive and significant effect on affective commitment. Affective commitment has a positive impact on behavioral intention. Attractive alternatives in their role of affective commitment and behavioral intention show that the variable attractive of alternative can strengthen the relationship of affective commitment and behavioral intention.

Keywords


trust; affective commitment; behavioral intention; attractive of alternative.

Full Text:

PDF

References


Aurier, P., & N’Goala, G. (2010). The differing and mediating roles of trust and relationship commitment in service relationship maintenance and development. Journal of the Academy of Marketing Science, 38(3), 303-325.

Badan Pusat Statistik. (2017). Hasil Pendaftaran (Listing) Usaha/Perusahaan Sensus Ekonomi 2016. Hasil Pendaftaran (Listing). Usaha/Perusahaan Sensus Ekonomi 2016 No. 35/05/35/Th. XV, 24 Mei 2017.

Badulescu, D. (2012). SMEs Relationship Banking: Length, Loyalty, Trust. Do SMEs get something in Return?. World Academy of Science, Engineering and Technology . International Journal of Economics and Management Engineering, 6(6).

Basir S & Prajawati, M. I. (2016). Kajian Penyusunan Model Pengembangan Ekonomi Koperasi/UMKM yang Berbasis Syariah untuk Meingkatkan Produktivitas Ekonomi. Laporan Tidak Dipublikasikan

Bansal, H. S., Irving, P. G., & Taylor, S. F. (2004). A three-component model of customer to service providers. Journal of the Academy of Marketing Science, 32(3), 234-250.

Beck, T., Cull, R., & Jerome, A. (2005). Bank privatization and performance: Empirical evidence from Nigeria. Journal of Banking & Finance, 29(8), 2355-2379.

Bell, S. J., & Eisingerich, A. B. (2007). The paradox of customer education: customer expertise and loyalty in the financial services industry. European Journal of Marketing, 41(5/6), 466-486.

Ca´novas, Gine´s Herna´ndez and Pedro Martı´nez-Solano. (2010). Relationship lending and SME financing in the continental European bank-based system. Small Bus Econ (2010) 34:465–482 DOI 10.1007/s11187-008-9129-7

Cater, T., & Cater, B. (2010). Product and relationship quality influence on customer commitment and loyalty in B2B manufacturing relationships. Industrial Marketing Management, 39(8), 1321-1333.

Cater, B., & Zabkar, V. (2009). Antecedents and consequences of commitment in marketing research services: The client's perspective. Industrial Marketing Management, 38(7), 785-797.

Cater, B and Zabkar, V. (2009). Antecedents and Consequences of Commitment in Marketing Research Services: The Client’s Perspective. Industrial Marketing Management, 38, 785-797.

Claro, D. P., Borin, P. & Zylbersztajn, D. (2005). “Relationship marketing strategies: when buyer and supplier follow different strategies to achieve performance”, Brazilian Administration Review, 2(2), 17-34.

Coote, L. V., Forrest, E. J., & Tam, T. W. (2003). An investigation into commitment in non-Western industrial marketing relationships. Industrial Marketing Management, 32(7), 595-604.

Cooper, Donald R and Pamela S Schindler. (2003). Business Research Methods. McGraw-Hill.Irwin. Jan1.2003.

De la Torre,Augusto de la., María Soledad Martínez., Pería, Sergio L. Schmukler. (2010). Bank involvement with SMEs: Beyond relationship lending. Journal of Banking & Finance, 34 (2010) 2280–2293.

Dogarawa, B. A. (2011). Chronology of banking reforms in Nigeria. Journal of Financial Regulation and Compliance, 19(4), 370-382.

Doole, I. & Lowe, R. (2012). International Marketing Strategy, Analysis, Development and Implementation, 6th edition, Cengage: South Western

Dhliwayo. (2014). Role Of The Banking Sector In Promoting Growth & Development Of Small And Medium Enterprises. The 2nd Sme Banking & Microfinance Summit 2014 March 2014.

Egan. J. (2005). Relationship Marketing Exploring Relational Strategis in Marketing. Second editon. New Jersey : Pearson Education.

Firmansyah, F & Prajawati, M.I (2016). Strategi Kemitraan Perbankan Syariah dengan UMKM dalam Rangka Meningkatkan Kinerja UMKM di Kota Malang. Laporan Penelitian Fakultas Ekonomi, Tidak Dipublikasikan.

Fullerton, G. (2005a). How commitment both enables and undermines marketing relationships. European Journal of Marketing, 39(11/12), 1372-1388.

Fullerton, G. (2005b). The service quality–loyalty relationship in retail services: does commitment matter? Journal of Retailing and Consumer Services, 12(2), 99-111.

Fullerton, G. (2011). Creating advocates: the roles of satisfaction, trust and commitment. Journal of Retailing and Consumer Services, 18(1), 92-100.

Fullerton, G. (2014). The moderating effect of normative commitment on the service quality-customer retention relationship. European Journal of Marketing, 48(3/4), 12-12.

Garbarino, E., & Johnson, M. S., (1999), “The different roles of satisfaction, trust and commitment in customer relationships. Journal of Marketing, 63(2).

Ghozali, I. (2013). Aplikasi Analisis Multivariate dengan Program IBM Spss, Semarang. Universitas Diponegoro.

Gilliland, D. I., & Bello, D. C. (2002). Two sides to attitudinal commitment: the effect of calculative and loyalty commitment on enforcement mechanisms in distribution channels. Journal of the Academy of Marketing Science, 30(1), 24-43.

Herdian, Gina dan Widyastuti. (2013). Pengaruh Relationship Marketing Terhadap Loyalitas Pelanggan Pada Nasabah Bank BTPN KCP Sepanjang”. Jurnal Ilmu Manajemen, 1(2).

Hennig-Thurau, T. (2000). Relationship Quality and Customer Retention through Strategic Communication of Customer Skills. Journal of Marketing Management, 16(1-3), 55-79.

Hutchinson, D., Wellington, W. J., Saad, M., & Cox, P. (2011). Refining value-based differentiation in business relationships: A study of the higher order relationship building blocks that influence behavioural intentions. Industrial Marketing Management, 40(3), 465-478.

Jones, T., Fox, G. L., Taylor, S. F., & Fabrigar, L. R. (2010). Service customer commitment and response. Journal of Services Marketing, 24(1), 16-28.

Keegan, Sandra Motiarty, Tom Duncan. (1995). Marketing. New Jersey : Prentice Hall

Keh, H. T., & Xie, Y. (2009). Corporate reputation and customer behavioral intentions: The roles of trust, identification and commitment. Industrial Marketing Management, 38(7), 732-742.

Lakip Kota Malang. (2016). Pemerintah Kota Malang.

Lang, Frank., Simone Signore and Salome Gvetadz. (2016). The role of cooperative banks and smaller institutions for the financing of SMEs and small midcaps in Europe. Research & Market Analysis Frank Lang with contributions from Simone Signore Salome Gvetadze. Working Paper 2016/36.

Lin, L. Y., & Lu C. Y., (2010). The influence of corporate image, relationship marketing, and trust on purchase intention: the moderating effect of word-of-mouth. Tourism Review, 65(3), 16-34.

Malhotra, N. K. (2009). Riset Pemasaran. Edisi Keempat. Jakarta. PT Indeks.

McKnight, D. H. & Chervan, N.L. (2002). What trust means in e-commerce customer relationships: an interdisciplinary conceptual typology. International Journal of Electronic Commerce, 6(2), 35–53.

Morgan, R. M., & Hunt, S. D. (1994). The commitment-trust theory of relationship marketing. Journal of Marketing, 58(3), 20-38.

Menon, K. and O'Connor, A. (2007) Building customers' affective commitment towards retail banks: the role of CRM in each ‘moment of truth’. Journal of Financial Services Marketing, 12(2), 157-168

Mowen. John dan Jerry. C. Olson (2002). Perilaku Konsumen. Terjemahan: Lina Salim. Jakarta: Erlangga

Ojeme, M., Robson, A. and Coates, N. (2018) Investigating the Nigerian Small and Medium Enterprises (SME)-banking long term relationship building. International Journal of Bank marketing, 36(1), 89-110. https://doi.org/10.1108/IJBM-07-2016-0097

Prager, R., Wolken, J. (2008). The evolving relationship between community banks and small businesses: Evidence from the surveys of small business finances. Federal Reserve Board Finance and Economics Discussion Series 2008-60.

Pritchard, M. P., Havitz, M. E., & Howard, D. R. (1999). Analyzing the commitment-loyalty link in service contexts. Journal of the Academy of Marketing Science, 27(3), 333-348.

Shani, David and Sujana Chalasani. 1992. Exploiting Niches Using Relationship Marketing. Journal of Consumer Marketing 9(3):33-42 • December 1992. DOI: 10.1108/07363769210035215

Suhendi, H. (2007). Fiqih Muamalah. Jakarta: PT. Raja Grafindo Persada.

Zethaml, Valarie, Mary Jo Bitner, and Dwayne D Gremler. (2013). Service Marketing. Mc Graw Hill International Edition.

Zeithaml, V. Parasuraman, A. and L. Berry L. (1985). Problems and Strategies in Services Marketing. Jurnal of Marketing,49. (Spring).




DOI: https://doi.org/10.18860/iq.v16i2.7876

Bookmark and Share


Editorial Office:
Management Department,
Faculty of Economics,
State Islamic University of Maulana Malik Ibrahim
Gajayana Str. No. 50 Phone. 082334248882
E-mail: iqtishoduna@uin-malang.ac.id

E-ISSN 2614-3437
P-ISSN 1829-524X

Lisensi Creative Commons
IQTISHODUNA under CC BY SA 4.0 Internasional.

Indexed by: 

  Hasil gambar untuk gambar onesearchResearchBib  

Member of:


View My Stats