<![CDATA[The purpose of this study was to empirically determine the effect of product quality, service quality, and promotion on customer loyalty of BUMDESMA LKD Mandiri Perdresan Gondangrejo, Karanganyar. Data were collected through questionnaires from 100 debtor customers who served as the research sample. The sampling technique used in this study was non-probability sampling, using accidental sampling as one of the methods. The analysis technique in this study consisted of instrument testing, including validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, t-test, F-test, and R2 (Coefficient of Determination) testing.The results of the study indicate that the validity and reliability tests for all statement items were proven valid and reliable. The results of the classical assumption test indicate that the research is normally distributed, with no multicollinearity, no heteroscedasticity, and no autocorrelation in the regression model. The t-test results indicate that product quality, service quality, and promotions have a positive and significant effect on customer loyalty at the Bumdesma LKD Mandiri Perdesaan Gondangrejo Karanganyar customer base. The R2 (Coefficient of Determination) test yielded an Adjusted R-square value of 55.2%, with the remaining 44.8% influenced by other variables not explained in this study, such as trust, purchasing decisions, brand image, and so on.]]>
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