THE INFLUENCE OF FINANCIAL LITERACY, SERVICE QUALITY AND CREDIT PROCEDURES ON CREDIT DECISIONS OF BATAM CITY BPR CUSTOMERS
DOI:
https://doi.org/10.33884/scientiajournal.v6i1.8692Keywords:
Financial Literacy; Service quality; Credit Procedures; Credit DecisionsAbstract
variables Along with the development of capital needs at the present time has brought bankers into an
era of very strict competition to challenge capital seekers as customers. The aim of this study is to look
at the influence of financial literacy variables (X1), quality of service (X2) and credit procedures (X3)
on credit decisions. (Y). This research uses a quantitative approach, using a survey method, where the
data collection method is carried out directly from the source. The population used in this study is BPR
Customer Barelang Independent and BPR Fund Makmur registered with the Financial Services
Authority (OJK) of Batam City during the year 2023 with a sample number of 184 people. The results
of the research were demonstrated through the T-Test, the financial literacy variable recorded in part
did not significantly affect the credit decision of the customer of BPR Kota Batam. The service quality
variable and the credit procedure have a partial influence on the customer's credit decision. The
Adjusted R Square determination coefficient is 0.295 or 29.5%, which means that financial literacy,
quality of service and credit procedures are at 29.5% presentation, while the remaining 70.5% are
influenced by other
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