Study on Implementation of Service Quality, Interest Rate, and Promotion Towards Umkm Customer Decisions (Small and Medium Micro Enterprises) in Utilizing Kur (People's Business Credit) at Bank Bri Kcp Biromaru, Sigi Regency Central Sulawesi
Muhammad Umar A*, Abd. Rahman, Abdul Kadir, Marjun
Faculty of Economics, Alkhairaat University, Palu, Indonesia
Muhammad Umar A*, Abd. Rahman, Abdul Kadir, Marjun
Faculty of Economics, Alkhairaat University, Palu, Indonesia
Int. J. Grad. Res. Rev. Vol 7(3): 78-89.
Copyright (c) 2022 International Journal of Graduate Research and Review
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This work is licensed under a Creative Commons Attribution 4.0 International License.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.
Abstract
The specific objectives to be achieved in this study are 1) To describe descriptively the assessment of service quality, interest rates, and promotions to UMKM customers in utilizing KUR (People's Business Credit) at Bank BRI Kcp Biromaru, Sigi Regency; 2) To determine the simultaneous and partial effect of service quality variables, interest rates and promotions on the decisions of MSME customers in utilizing KUR (People's Business Credit) at Bank BRI Kcp Biromaru, Sigi Regency. This type of research is field research (field research). The population that will be used in this study is all customers who take KUR at BRI KCP Biromaru, Sigi Regency. The sample size in this study was determined using the Slovin formula. The sample to be studied is 210 taken using the Solvin formula with an error rate of 10% or can be called a 90% confidence sample. The error limit that can be tolerated in this study is 10% so the total is 67.7 and the sample is rounded up to 68 customers. This sample collection technique is called Probability simple random sampling, meaning that it is a sampling technique that provides equal opportunities for every member of a population to be sampled. The analytical tool used is multiple linear regression. The results showed that the R Square value of 0.959 means that service quality, interest rates, and promotions have a positive and significant effect simultaneously and partially on the decisions of MSME customers in utilizing KUR at BRI KCP Biromaru Sigi Regency by 95.9% while the remaining 4.1% influenced by other factors not studied. The conclusion obtained is that service quality, interest rates, and promotions have a positive and significant effect simultaneously and partially on the decisions of UMKM customers in utilizing KUR at BRI KCP Biromaru, Sigi Regency.
Keywords: Service Quality Implementation, Interest Rate, Promotion, UMKM Customer Decision, and KUR.
The specific objectives to be achieved in this study are 1) To describe descriptively the assessment of service quality, interest rates, and promotions to UMKM customers in utilizing KUR (People's Business Credit) at Bank BRI Kcp Biromaru, Sigi Regency; 2) To determine the simultaneous and partial effect of service quality variables, interest rates and promotions on the decisions of MSME customers in utilizing KUR (People's Business Credit) at Bank BRI Kcp Biromaru, Sigi Regency. This type of research is field research (field research). The population that will be used in this study is all customers who take KUR at BRI KCP Biromaru, Sigi Regency. The sample size in this study was determined using the Slovin formula. The sample to be studied is 210 taken using the Solvin formula with an error rate of 10% or can be called a 90% confidence sample. The error limit that can be tolerated in this study is 10% so the total is 67.7 and the sample is rounded up to 68 customers. This sample collection technique is called Probability simple random sampling, meaning that it is a sampling technique that provides equal opportunities for every member of a population to be sampled. The analytical tool used is multiple linear regression. The results showed that the R Square value of 0.959 means that service quality, interest rates, and promotions have a positive and significant effect simultaneously and partially on the decisions of MSME customers in utilizing KUR at BRI KCP Biromaru Sigi Regency by 95.9% while the remaining 4.1% influenced by other factors not studied. The conclusion obtained is that service quality, interest rates, and promotions have a positive and significant effect simultaneously and partially on the decisions of UMKM customers in utilizing KUR at BRI KCP Biromaru, Sigi Regency.
Keywords: Service Quality Implementation, Interest Rate, Promotion, UMKM Customer Decision, and KUR.
