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All Journal Jurnal Ilmiah Manajemen "E M O R" Jurnal Technopreneur (JTech) SEIKO : Journal of Management & Business Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Informatika Ekonomi Bisnis Jurnal Kolaboratif Sains
La Diu Samiu
Universitas Ichsan Gorontalo
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Mechanical Engineering Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Journal : Jurnal Informatika Ekonomi Bisnis

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Exploring Factors of Working Capital Credit Distribution: Interest Rates, Deposits and Customer Perception Ariawan; Muhammad Anas; La Diu Samiu; Linda Ayu Oktoriza; Muhammad Al Faridho Awwal
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 3 (September 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i3.623

Abstract

This study examines the impact of interest rates, customer deposits, and customer perception of the Five C's of Credit on the disbursement of working capital loans in Bank Perkreditan Rakyat (BPRs). A quantitative approach was utilized, and data were collected from 108 BPR customers in Gorontalo through an online questionnaire using Google Forms. The collected data were analyzed using the SPSS technique. The findings indicate that all three variables have a significant influence on the disbursement of working capital loans in BPRs. Interest rates, customer deposits, and customer perception of the Five C's of Credit play crucial roles in the credit evaluation process and loan allocation decisions in BPRs. The results of the analysis demonstrate that these variables collectively account for 58.7% of the variation in the disbursement of working capital loans. This highlights the significance of considering these factors when determining credit allocation in BPRs. However, it is important to acknowledge the limitations of this study. Other variables not included in this research could also impact credit disbursement in BPRs. Future studies could explore additional factors and expand the sample size to enhance the generalizability of the findings. The findings offer valuable insights for BPRs in formulating effective lending policies and practices to address the financing needs of businesses. By doing so, BPRs can contribute to the economic growth and development of the region.
Co-Authors Ariawan Ariawan Armiyani Armiyani Awwal, Muhammad Al Faridho Azwar Evi Trisetyasi Juliana, Juliana K Djawa, Sutrisno La Saudin La Saudin Muhammad Anas Oktoriza, Linda Ayu Syakila Madya Ibrahim Syamsir Syamsir Tamsir