THE INFLUENCE OF CREDIT PROCEDURES AND QUALITY OF SERVICE ON DEBTOR DECISIONS IN CREDIT MAKING (CASE STUDY AT ANUGRAH MEGA MANDIRI COOPERATIVE MEKARSARI BRANCH)

Matdio  Siahaan; Damaris  Marpaung; Vica  Apriyanto

doi:10.53067/ije3.v1i2.18

Authors

Matdio Siahaan Bhayangkara University, Indonesia
Damaris Marpaung Mpu Tantular University, Indonesia
Vica Apriyanto Bhayangkara University, Indonesia

DOI:

https://doi.org/10.53067/ije3.v1i2.18

Keywords:

Credit Provision Procedures, Service Quality, Credit Decision Making

Abstract

This study aims to determine the effect of credit granting procedures and service quality on the debtor's decision to take credit. This research is a descriptive quantitative study with data sources derived from questionnaires and then processed using SPSS version 23. The number of respondents sampled in this study was 80 debtors registered in the Anugrah Mega Mandiri Cooperative Mekarsari Branch. The sampling technique is to use the Purposive Sampling method which is a sampling determination technique with certain considerations or criteria that are used as the basis for sample selection. The data analysis method uses multiple regression analysis methods to analyze the relationship between independent variables, namely the Credit Granting Procedure( and Service Quality( to the dependent variable, namely the Decision to Take Credit (Y). The results showed that partially and simultaneously Credit Provision Procedures and Service Quality significantly and positively influence Credit Decision Making

Downloads

Download data is not yet available.

References

Ayodya, D., & Khasanah, I. (2016). Analysis of the Effect of Product Differentiation, Product Quality, Service Quality, and Consumer Attitudes towards Mortgage Making Decisions (House Ownership Credit). ISSN: 2337-379.

Hana, C., & Supriyadi, SG (2019). The Influence of Service Quality and Credit Procedures on Working Capital Credit Decisions for MSME Actors. ISSN : 2598 - 0076.

Indonesia, I. b. (2014). Managing the Quality of Banking Services. Jakarta: PT Gramedia Pustaka Utama.

Jaya, I. (2019). Application of Statistics for Educational Research. Jakarta: Prenadamedia Group.

cashmere. (2014). Bank And Banking Management. Jakarta: PT RajaGrafindo Persada.

Finance, OJ (2020, March 30). Constitution. Retrieved from UU: www.ojk.go.id

Latumerisa, JR (2017). Banks And Other Financial Institutions Theory And Policy. Jakarta: Media Discourse Partners.

Lovelock, C., Wirtz, J., & Mussry, J. (2011). Service Marketing: An Indonesian Perspective. Jakarta: Erlangga.

Putra, MP (2015, March 30). The Effect of Banking Image on Customer Decisions In Taking Credit With Credit Services And Procedures As Moderating Variables. Retrieved from Undergraduate Thesis: eprint.uny.ac.id.

Salusu, J. (2015). Strategic Decision Making. Jakarta: Grasindo.

Sari, FK (2016, January 23). The Influence of Service Quality and Credit Provision Procedures on Credit Making Decisions with Reference Groups as Moderating Variables at the Credit Agency (BKDGombong). Retrieved from Undergraduate Thesis: student.uny.ac.id.

Sari, FR (2014, March 28). Analysis of Factors Influencing Customer Decisions In Taking Credit. Retrieved from Undergraduate Thesis: eprints.uns.ac.id.

Schiffman, LG, & Kanuk, LL (2011). Consumer Behavior Seventh Edition. Jakarta: PT Index of the Gramedia group.

Siahaan, M. (2016). Improving the Competitiveness of the Real Sector in the Era of the ASEAN Economic Community, 16 (2),

-286. Retrieved fromhttps://scholar.google.com/citations?hl=en&user=fNLxaSUAAAAJ.

Siahaan, M. (2017). Lecture Module for Banks and Non-Bank Financial Institutions, 1-50. ISBN: 978-602-61345-0-9. Retrieved fromhttps://scholar.google.com/citations?hl=en&user=fNLxaSUAAAAJ.

Simarmata, HM (2017). The Influence of Service Quality, Corporate Image and Credit Interest Rates on Decisions to Make Microcredit Products. 16-31.

Sodik, MA, & Siyoto, S. (2015). Basic Research Methodology. Yogyakarta: Media Publishing Literacy.

Sugiyono. (2016). Quantitative, Qualitative, and Combination Research Methods (Mixed Method). Bandung: Alphabeta.

Sumarwan, U. (2011). Consumer behavior. Jakarta: PT Ghalia Indonesia.

Suprapto, E., & Puryandani, S. (2020). Analysis of the Effect of Service Quality, Interest Rates, Income, and Education on Customer Decisions to Take Productive Loans at Bank JATENG. Capem Margasari, 73-79.

Testianingtyas, S. (2019, April 30). Analysis of the Effect of Credit Procedures, Locations, BPR Image, and Credit Interest on Decisions for Appropriate Harmony Loans at BPR Nusamba Cepiring, Kendal. Retrieved from Undergraduate Thesis: eprints.undip.ac.id.

Thoharudin, M., Suryanti, Y., & Huda, FA (2019). The Influence of Financing Procedures on Financing Decisions at BPD West Kalimantan KCP Syariah Sintang Branch. ISSN: 2541-0938.

Wibowo, M., & Subagyo, A. (2017). Good Cooperative Governance. Yogyakarta: Depublish