Analisis Dampak Kredit Konsumtif Terhadap Pola Konsumsi Rumah Tangga (Studi Kasus Pada Nasabah PNS Bank NTT Kantor Cabang Utama Kupang)

Abstract

Consumptive credit is a strategic financial instrument that enables households to meet needs requiring large funds without waiting for full savings accumulation. This study analyzes the impact of consumptive credit on household consumption patterns among Civil Servant (PNS) customers of Bank NTT Main Branch Office Kupang. This study employed a qualitative approach with a descriptive case study design, involving 11 informants selected through purposive sampling, consisting of 10 key informants (PNS customers using consumptive credit) and 1 supporting informant (Credit Supervisor). Data were collected through observation, in-depth interviews, and documentation, then analyzed using the Miles and Huberman interactive model assisted by NVivo 12 software with a word frequency query feature, and validated through source, technique, and time triangulation. The results show that consumptive credit is utilized for housing, education, health, land investment, and productive business development, driven by simple procedures and an automatic salary deduction system. Before receiving credit, household consumption was income-based, prioritizing basic needs and deferring large purchases. After receiving credit, households gained greater financial flexibility but also faced increased routine expenditures from monthly installments and asset ownership costs. The impact is dualistic: consumptive credit accelerates need fulfillment and improves quality of life, yet simultaneously reduces disposable income, weakens saving capacity, and increases household financial vulnerability.