PENGARUH KUALITAS PELAYANAN, PROSEDUR, PERSYARATAN, DAN TINGKAT SUKU BUNGA TERHADAP KEPUTUSAN NASABAH MENGAJUKAN KREDIT USAHA RAKYAT (KUR) PADA PT BANK RAKYAT INDONESIA, Tbk UNIT HARAPAN BARU

Abstract

The purpose of the study is to find out and analyze the quality of service, credit procedures, credit requirements, and interest rates have a significant effect on the customer's decision to apply for People's Business Credit. This study is a quantitative research with a sample of 100 respondents. The sampling technique uses non-probability sampling techniques. The analysis method used in this study is multiple linear regression analysis with a testing aid tool, namely IBM SPSS version 23. The results of this study partially have no effect on the customer's decision to apply for People's Business Credit, Credit Procedures, Credit Requirements and Interest Rate partially have a significant positive effect on the customer's decision to apply for People's Business Credit, and together have a positive and significant influence on the customer's decision to apply for People's Business Credit at PT. Bank Rakyat Indonesia Tbk, Harapan Baru Unit.