Faktor-Faktor yang Mempengaruhi Pengambilan Kredit di LPD Desa Adat Pujungan, Kecamatan Pupuan, Kabupaten Tabanan
Abstract
The Factors That Affect Credit Decision Making In LPD Of Pujungan Village, Pupuan Sub-District, Tabanan Regency
One of the economic development in Indonesia is supported by the Rural Credit Institution
(LPD) of Pujungan Village, Pupuan Sub-District, Tabanan Regency. The efforts to
maintain and increase its continuity, LPD also needs to look at the factors that affect the
debtor in making credit decisions. The purpose of this research is to determine the factors
that influence the debtor’s decision in taking credit and the suitability of credit usage by
the debtor. The sampling technique in this research was carried out by random sampling.
The analysis technique used is multiple linier regression analysis. The results showed that
interest rates, services, and procedures for lending had a positive and significant effect on
debtor decisions in taking credit, and the suitability of use tends to productive loans.
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