Research Paper
Year: 2019 | Month: July | Volume: 6 | Issue: 7 | Pages: 513-522
The Factors Affecting Decisions for Use of Credit Services (Case Study in XYZ Bank, Enterprise Banking Segment)
Erwin Kosasih1, Dr. Ir. Nazaruddin Matondang2, Dr. Rulianda Purnomo Wibowo2
1Postgraduates Students Master of Management University of North Sumatera, Indonesia
2Postgraduates Lecturer Master of Management University of North Sumatera, Indonesia
Corresponding Author: Erwin Kosasih
ABSTRACT
Every company will try to have a good relationship with the bank related to the company's business development in terms of the availability of the company's business capital. As a result of the high needs of each company, there is a competition between one bank and another to attract these companies to use banking services / products issued by each bank. One very tight competition among banks is in the credit sector.
The purpose of this study was to find out and analyze the Credit Procedure, Credit Interest Rate, Credit Service Quality and Bank Location are the factors that influence the Decision on the Use of Credit Services, Case Study at XYZ Bank, Enterprise Banking Segment, and also to find out the most dominant and that significantly affects the customer's decision to use credit. Where the samples taken in this study were 140 people. Data was collected using a questionnaire. Data is tested using validity and reliability tests, and data must meet the elements of the classic assumption test conditions. Test data analysis using descriptive analysis.
This study concludes that Credit Procedure and Credit Interest Rate are factors that significantly affect the customer's decision to use the Enterprise Banking segment credit service at XYZ Bank. Credit Service Quality and Bank Location are factors that do not significantly affect the customer's decision to use the Enterprise Banking segment credit service at XYZ Bank. Credit Procedure is the most dominant factor affecting a customer's decision to use the Enterprise Banking segment credit service at XYZ Bank. Whereas the smallest factor influencing the use of XYZ bank credit services is the quality of credit services.
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