Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Management Studies and Business Journal
Lengkong, Viktor
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
THE EFFECT OF NON CASH PAYMENT SYSTEM ON CUSTOMER COMPLIANCE IN LOAN REPAYMENT AT PT. PEGADAIAN BOSWESEN BRANCH Makalisang, Meiland; Lengkong, Viktor; Pandowo, Merinda H. Ch.; Lumintang, Genita G.; Mintardjo, Christoffel M. O.
Management Studies and Business Journal (PRODUCTIVITY) Vol. 2 No. 8 (2025): Management Studies and Business Journal (PRODUCTIVITY)
Publisher : Penelitian dan Pengembangan Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62207/m0d16g37

Abstract

The digitalization of financial services has driven the increased use of non-cash payment systems at various financial institutions, including PT. Pegadaian. However, customer compliance in repaying loans remains suboptimal. This study aims to analyze the effect of non-cash payment systems on customer compliance in repaying loans at PT. Pegadaian, Boswesen Branch. Using a quantitative approach with simple linear regression analysis, this study processed data collected through a structured questionnaire from gold pawn customers. The results showed that the use of non-cash payment systems did not significantly impact customer compliance. This finding indicates that compliance is more determined by factors other than the use of payment technology, such as financial awareness, understanding of payment obligations, and level of trust in the institution. This study recommends that further studies consider psychological, behavioral, and financial literacy variables to gain a more comprehensive understanding of the determinants of customer compliance.
Co-Authors Christoffel M. O. Mintardjo, Christoffel M. O. Genita G. Lumintang, Genita G. Makalisang, Meiland Merinda H. Ch. Pandowo