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Pengaruh Kualitas Jasa, Citra Perusahaan dan Tingkat Suku Bunga Kredit Terhadap Keputusan Pengambilan Produk Kredit Mikro

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  • Simarmata, Hengki Mangiring Parulian

    (Politeknik Bisnis Indonesia)

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh kualitas jasa, citra perusahaan dan tingkat suku bunga kredit terhadap keputusan pengambilan kredit mikro studi kasus pada Bank Perkreditan Rakyat Karyajatnika Sadaya Bandung. Penelitian yang dilakukan merupakan penelitian deskriptif dan verifikatif. Sampel yang digunakan adalah 110 nasabah dari delapan kantor cabang mikro BPR KS Bandung. Uji Hipotesis yang digunakan dengan Structural Equation Model (SEM) untuk mengetahui pengaruh kualitas jasa, citra perusahaan dan tingkat suku bunga kredit terhadap keputusan pengambilan kredit mikro baik secara parsial maupun secara simultan. Hasil penelitian menunjukkan bahwa tanggapan responden mengenai kualitas jasa dinilai baik, Citra BPR KS juga dinilai sudah baik oleh konsumen. Sedangkan tingkat suku bunga yang ditawarkan rendah atau dapat diterima oleh nasabah. Hasil pengujian model menunjukkan adanya pengaruh positif dan signifikan antara kualitas jasa dan citra perusahaan terhadap pengambilan kredit mikro, sedangkan untuk suku bunga memiliki pengaruh negatif terhadap keputusan pengambilan kredit mikro.Untuk pengembangan peneliti berikutnya dapat dilakukan penelitian yang sama di daerah yang lingkungan dan budaya memiliki karakteristik yang berbeda atau dengan perubahan variabel dimana variabel loyalitas atau variabel customer relationship management dapat dikembangkan pada model penelitian di masa mendatang

Suggested Citation

  • Simarmata, Hengki Mangiring Parulian, 2018. "Pengaruh Kualitas Jasa, Citra Perusahaan dan Tingkat Suku Bunga Kredit Terhadap Keputusan Pengambilan Produk Kredit Mikro," INA-Rxiv tpzwk, Center for Open Science.
    • Handle: RePEc:osf:inarxi:tpzwk
    DOI: 10.31219/osf.io/tpzwk
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