FACTORS AFFECTING THE DECISION TO TAKE CREDIT CUSTOMERS FUTURE PROGRAM PACKAGE ( PMD) IN BANK BTPN SYARIAH (CASE STUDY AT THE STATE SAVING BANK SYARIAH PAMULARSIH KCS)

Abstract

his research aimed to analyze the influence of the variable service, admin
fees, location, interest rates, the procedures of the customer's decision. The
population in this study are all the people who never took credit in the bank. The
sample in this study were 105 people who never took the credit in the bank. The
analytical tool used in this research is multiple regression analysis, t-test, F and
coefficient of determination (R ²).
Based on the test results of the coefficient of determination (R²) of 0556
which showed that the correlation or relationship between the variables a client's
decision (the dependent variable) with a variable service, admin fees, locations,
rates, procedure (independent variable) has the degree of correlation of 55.6%
the balance of 44.4 % influenced by other variables outside variables studied. The
results of hypothesis testing can be known magnitude F count variable service,
admin fees, locations, rates, procedure together have an influence on the
customer's decision to take the credit. The results of t test analysis showed that the
variables of service, the interest rate, does not significantly affect the customer's
decision to take the credit. Meanwhile, admin fees, locations, procedures
significant positive effect on the customer's decision to take the credit. These
results also indicate that.
Keywords: service, the interest rate, admin fees, locations, procedures, take the
credit