ANALISIS FAKTOR – FAKTOR YANG MEMENGARUHI KEPUTUSAN PEMINJAMAN ANGGOTA KOPERASI DI KOPERASI SIMPAN PINJAM MAKMUR MANDIRI SAMARINDA

Abstract

Cooperatives are a financial institution that can provide business capital to people who need fast funds to develop their businesses by distributing loans to their members. Decision making in making a loan can be influenced by several factors, namely loan granting procedures, interest rates, service quality and several other factors. This research aims to determine the influence of loan granting procedures, interest rates and service quality on decisions made in making loans at the "Mandiri Makmur" Savings and Loans Cooperative. The research method used is quantitative research. The data used is primary data. The population is all members of the "Makmur Mandiri" Savings and Loans Cooperative, totaling 178 members. With a research sample of 130 members. Data was collected using a questionnaire method and analyzed using multiple linear regression analysis. The partial and simultaneous research results show that Loan Providing Procedures (X1), Interest Rates (X2) and Service Quality (X3) influence lending decisions (Y). It is hoped that the "Makmur Mandiri" Savings and Loans Cooperative can increase mutual loans by providing low interest rates, easy loan procedures and satisfactory service quality so that customers continue to use its services for business capital.