SUMMARY
This research aims to investigate factors influencing the utilization ofinformation technology (IT), like social factor, affect factor, jobappropriateness, long-term consequences, facilitating condition, and jobcomplexity; as well as the impact of utilization and trust on IT on individualperformance of People Credit Bank (Bank Perkreditan Rakyat/BPR) inTabanan Regency. Sample consists of 13 BPR with total respondents of 96.Data collection method is interview, survey with questionnaire, anddocumentation. Instruments used in this research have met validity andreliability criteria and pass multicolinearity and heteroscedasticity tests. Datathen are analyzed using multiple linear regression tests.Based on the analysis, it is found that social factor and the facilitatingcondition give positive impacts and significantly support the utilization of IT.Affect factor, job appropriateness, and long-term consequences providepositive impacts, yet not significant; while complexity factor has negative andinsignificant impact on the utilization of IT. As a whole, all factors affect ITutilization positively and significantly. Utilization and trust on IT each haspositive and significant impact on individual performance; and together theyalso affect individual performance positively and significantly.