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All Journal Jurnal Ekonomi Jurnal Bakti Saraswati Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan EQIEN - JURNAL EKONOMI DAN BISNIS Jurnal Pengabdian kepada Masyarakat Jurnal Arastirma juremi: jurnal riset ekonomi EKONOMIKA45 Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan
Ni Putu Yuliana Ria Sawitri
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Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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PENGARUH JAMINAN DAN JANGKA WAKTU PINJAMAN TERHADAP KEPUTUSAN PENGAMBILAN KREDIT DI KSP SARI SEDANA NADI KECAMATAN BLAHBATUH KABUPATEN GIANYAR Ni Made Yumita Sari; Ni Putu Yuliana Ria Sawitri; Made Ayu Desy Geriadi
Jurnal Bakti Saraswati (JBS) Vol. 14 No. 2 (2025): Jurnal Bakti Saraswati Vol. 14, No 2, Oktober 2025
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM), Universitas Mahasaraswati Denpasar, Bali, Indonesia

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Abstract

Several researchers have found several factors that influence customer decisions, including collateral and loan terms. Similarly, in KSP Sari Sedana Nadi, collateral and loan terms are also one of the factors that influence credit decisions. The purpose of this study is to determine the simultaneous and partial effects of collateral and loan terms on credit decisions of KSP Sari Sedana Nadi. The sampling was conducted by chance sampling, i.e., 85 credit customers. The data were analyzed using multiple linear regression using computer tools in the form of SPSS 25.0 for Windows program. The results of the study showed that collateral and loan terms have a positive and significant impact on credit decisions of KSP Sari Sedana Nadi, simultaneously and partially. The significance of this study is that collateral and terms as a reference for partner institutions in formulating customer credit decision strategies and policies. it can be adjusted according to its target market and market needs.
Co-Authors Bagus Arya Wijaya Geriadi, Made Ayu Desy Gusti Ketut Amertayasa I Gusti Agung Prabandari Tri Putri I Gusti Putu Agung Widya Goca I Komang Sumerta I Wayan Budi Ugi Adnyana I Wayan Suastika Luh Putu Virra Indah Perdanawati Ni Ketut Sukanti Ni Luh De Murdani Ni Made Yumita Sari Ni Nyoman Ayu Candrayani Ni Putu Putri Ayu Wijayanthi Sudiyani, Ni Nyoman