Analisis Faktor-Faktor yang Mempengaruhi Nasabah Dalam Mengambil Keputusan Kredit pada Beberapa Bank di Kotamadya Medan
A bank is a finance institution that offer many kinds of product in financial to fulfill people needs. Not all the people's income is spend for their consumption, so there is a part that left over. Because of that people need a place to keep the rest of their income, that place is a bank. But not all the people in the society have a part of their income that left over, there is some people that their income is just enough to cover their needs, in fact there is some people that doesn't have enough income to cover their needs. Because of the limited income or the decrease income, people need a loan. That loan they use to cover their needs or they can use it as a capital to have a little more income to cover their needs and if that increasing income have left over they can save it. The question is where the people can get a loan? Of course in the bank, because a bank not just a place where people can save their money but also a place where people can get a loan, which we call it as a credit. To get a credit from the bank the people must become the customer of the bank, and except that there is some qualification that the customer had complied. Credit is one of the main facilities that a bank can offer to their customer. Credit have an important meaning for the society. Because of that in this research, had been reach out what is the factors that influence the people when they was taking a decision to get a credit from a bank. After the evaluation, as the results from the research we find out that the rate of interest, the tee to get a credit, and the procedure to get a credit are significantly influence the people decision to get a credit from a bank. And the factor which influence the people decision the most when they want to get a credit from a bank is the rate of interest.
- SP - Economic Development