The Effect of Income, Interest Rates, and Quality of Service on Decisions to Granting Credit

Ni Putu Emi Kristina DEWI; I Gusti Ayu Ratih Permata  DEWI; Putu Gede Wisnu Permana  KAWISANA

doi:10.38142/jogta.v2i3.872

Authors

Ni Putu Emi Kristina DEWI Warmadewa University, Indonesia
I Gusti Ayu Ratih Permata DEWI Warmadewa University, Indonesia
Putu Gede Wisnu Permana KAWISANA Warmadewa University, Indonesia

DOI:

https://doi.org/10.38142/jogta.v2i3.872

Keywords:

Income, Interest Rate, Quality Services, Award Decisions Credit

Abstract

Study This aims to know the Influence of Income, Interest Rates, and Quality Service Against Awarding Decision Credit to BPR throughout the Regency Gianyar. The magnitude sample used as many as 72 respondents using purposive sampling. All data from the distribution questionnaire was used and analyzed using multiple linear regression and hypothesis testing (t-test and f-test). Research results show that (1) Income positively influences Award Decision Credit at the BPR of the Regency Gianyar. (2) Interest Rates influential and favorable to Award Decision Credit at the BPR of the Regency Gianyar. (3) Quality Service influential positive to Award Decision Credit at the BPR of the Regency Gianyar. This study has the influence and impact that: 1) Income positively influences Award Decision Credit at the BPR of the Regency Gianyar. 2) Interest Rates are influential and favorable to Award Decision Credit at the BPR of the Regency of Gianyar. 3) Quality Service positively influences Award Decision Credit at the BPR of the Regency Gianyar.

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