Research Paper
Year: 2021 | Month: April | Volume: 8 | Issue: 4 | Pages: 446-452
DOI: https://doi.org/10.52403/ijrr.20210454
The Effect of Perception and Social Environment on Decision Making to be a Debtor of BPR Pijer Podi Kekelengen-Simpang Selayang Medan Branch with Motivation as Intervening Variables
Retno Nela Simanjuntak1, Amrin Fauzi2, Beby Karina Fawzeea Sembiring2
1,2Master of Management on Postgraduate School of University of Sumatera Utara
Corresponding Author: Retno Nela Simanjuntak
ABSTRACT
Consumer decision making is a basic psychological process that plays an important role in understanding how consumers actually decide something to use or buy. Decision making for customers to become debtors is influenced by several internal and external factors and in this study, perception, social environment and motivation factors were selected as factors that could influence decision making to become a debtor or loan customer at BPR Pijer Podi Kekelengen Branch Simpang Selayang Medan. The formulation of the problem is whether there is an influence of perceptions and the social environment on decision making to become a loan customer of the BPR Pijer Podi Kekelengen Simpang Selayang Medan Branch, either directly or indirectly through motivation. The hypothesis in this study is that the perception and social environment have a significant effect on decision making to become a loan customer at the BPR Pijer Podi Kekelengen Branch of Simpang Selayang Medan, either directly or indirectly through motivation. This study used a survey approach. Methods of data collection are carried out through interviews, documentation and questionnaires. The number of samples in this study were 90 people who were determined by accidental sampling. Hypothesis testing using Structural Equation Model (SEM) analysis is intended to determine the effect of independent variables on the dependent variable through or without intervening variables on the basis of decision making seen from the value of p> 0.05 H0 is accepted and Ha is rejected or p <0.05 H0 is rejected. and Ha accepted. The test results show that the perception and social environment directly have a significant effect on debtor decision making. In this study, the motivation variable does not act as an intervening variable that mediates the influence between perceptions and the social environment on decision making to become a loan customer. Social Environment variable is the variable that has the greatest influence on decision making with a coefficient value of 0.461.
Keywords: perception, social environment, motivation, decision making/
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