

Kuiper, Florian Klinglmueller and Adetayo Kasim, IsoGeneGUI: Multiple Approaches for Dose-Response Analysis of Microarray Data Using R, The R Journal Vol. Martin Otava, Rudradev Sengupta, Ziv Shkedy, Dan Lin, Setia Pramana, Tobias Verbeke, Philippe Haldermans, Ludwig A.Imaduddin Amin, Ni Luh Putu Satyaning P.P, Yulistina Riyadi, and Jong Gun Lee, Setia Pramana, Robert K., Inferring Commuting Statistics in Greater Jakarta from Social Media Locational Information from Mobile Devices., Proceeding of The Conference NetMob 2017 (2017).
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BRI financial institution is more efficient in determining transaction costs incurred by borrowers of Rp. The results of the study explain that the more procedures or stages that are applied, the financial institutions will take longer to process loan or financing activities. This study uses a survey method with the sampling technique used is purposive sampling and the number of samples used in this study as many as 10 borrowers taken from each of the financial institution s.

Third, to analyze the perception of the borrower. Second, to analyze the comparison of the amount of transaction costs. This study aims to: First, to identify lending procedures. This research i s conducted at the BRI financial institution and Sharia Cooperatives (BMT AGROMADANI) in Rimba Melintang Sub-d istrict, Rokan Hilir Regency. Financial institutions have different goals and motivations, so they have some differences in the determination of lending procedures and transaction fees applied, which will affect the perceptions of borrowers.

In response to this, the government issue s a policy to improve the economic capacity of the community, through financial institutions as a source of capital. Poverty is one of the basic problems that Indonesia is still facing.
