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Muhammad Awaluddin, Muhammad
Program Studi Budidaya Perairan Universias Mataram
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Journal : Journal of Comprehensive Science

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The Influence of Credit Procedures, Service Quality and Bank Location on the Decision to Take People's Business Credit (KUR) Nastassya, Nastassya; Sutjipto, Mohammad Riza; Awaluddin, Muhammad
Journal of Comprehensive Science Vol. 4 No. 8 (2025): Journal of Comprehensive Science
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v4i8.3497

Abstract

People's Business Credit (KUR) is a government financing program designed to encourage the growth of the MSME sector. This study aims to analyze the influence of credit procedures, service quality, and bank location on the decision to take KUR at PT. Bank Mandiri (Persero) Tbk KCP Dumai Syarif Kasim. The research method used a quantitative approach with multiple linear regression analysis of 100 respondents selected by purposive sampling. The results of the study showed that, simultaneously, the three variables had a significant effect on the decision to take KUR (F-count = 372.424, p < 0.05). Partially, only credit procedures had a positive and significant effect (? = 0.467, t = 15.06, p < 0.05). The quality of service did not show a significant effect (? = -0.007, t = -0.24, p > 0.05), while the location of the bank had a significant negative effect (? = -0.532, t = -22.17, p < 0.05). The adjusted R² value of 0.921 indicates that 92.1% of the variation in the decision to take KUR is explained by all three variables. These findings confirm that procedural efficiency is a major factor in KUR decision-making, while perceptions of bank services and physical locations are not always the main considerations in the digital age.
Co-Authors Afwani, Royana Alfi Reza, Muhammad Alzarliani, Waode Amil Ahmad Ilham Arfiah Busari Aulia Herdiani Azaluddin, Azaluddin Azzahra, Septianissa B, Fitriani Budi Irmawati Dedi Hidayat Dodie Tricahyono Endang Sri Andayani Fatahillah, Ahmad Dzikra Fauzi, Ahmad Nur Fazrun, Muhamad Febrizal Ujang Ghiffary, Muamar Hajairin Haryono, Untung Ika Ernawati, Atis Ika Safitri Windiarti Indriyanti, Ana Joan Angelina Widians, Joan Angelina Juliansyah Roy Kesuma, Agus Miftahuddin Miftahuddin Mohammad Riza Sutjipto Muhamad Iksan, Muhamad Muhammad Hibrian Wiwi Muhammad Niswar Nastassya, Nastassya Pisganidy, Marla Reza, Muhammad Alfi Rudi Hartono Samritin Samsurizal Samsurizal Sapa, Nasrullah Satir Sayati, Muhammad Sayati, Muhammad Satir Sidharta Krisna, Muhammad Siska Noviaristanti Siti Amalia Sudirman Tricahyono, Dodie Febri Winnugroho Wiratman, Manfaluthy Hakim, Tiara Aninditha, Aru W. Sudoyo, Joedo Prihartono Wiryawan, Yosef Yosef Febri Wiryawan, Yosef Febri Yunus, Ishak