The Influence of Interest Rates, Credit Procedures, and Service Quality on Customer Interest in Credit Submission at LPD (Case Study at the LPD of Padangtegal, Ubud District, Gianyar Regency)

Yanti, Ni Luh Putu Darma and Ariana, I Made and Sudiadnyani, I Gusti Agung Oka (2022) The Influence of Interest Rates, Credit Procedures, and Service Quality on Customer Interest in Credit Submission at LPD (Case Study at the LPD of Padangtegal, Ubud District, Gianyar Regency). Repositori Politeknik Negeri Bali.

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Abstract

In Indonesia, not a few business actors need capital to run their business. The credit provided by the LPD of Padangtegal Village is one of the alternatives to improve the economy of the villagers, for example for MSME business capital. The realization of credit distribution at the LPD of Padangtegal has fluctuated from 2019-2021. The lowest realization of credit disbursement occurred in 2021, which was -7.09%. Therefore, to increase the disbursed credit, innovations are needed that can increase customer attractiveness, especially at-tracting interest in credit submission. This research has purpose to find out the influence of interest rates, credit procedures, and ser-vice quality on customer interest in credit submission at LPD of Padangtegal. The data uses were obtained from questionnaires distrib-uted to 83 credit customers in 2021 at the LPD of Padangtegal. The variables were analyzed by SPSS 26.0. The results indicate that par-tially the interest rate variable (X1) had a negative effect on customer interest in credit submission (Y), credit procedure variables (X2), and service quality (X3) each had a positive influence on customer interest in credit submission (Y). Simultaneously these three variables affect customer interest in credit submission and have a proportion of influence of 83.6%. Keywords: interest rates, credit procedures, service quality, customer interest

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