Abstract
The aim of this study was to determine whether the interest rate variables, loan procedures, services, credit guarantees and facilities influence the customer's decision to pledge his goods at the Pegadaian Public Corporation in East Lombok. This research is a descriptive research with research location on the 23rd education road in Aikmel, East Lombok. The data collection method is a sample with a sample of 100 respondents, determined on the basis of unintended samples with the Slovenian formula. Techniques for data collection are observation and interview. Data collection tool is a questionnaire. The type of data used is quantitative data and qualitative data with data sources in the form of primary and secondary data. Based on the factor analysis, it has been found that out of the five factors investigated, four factors influence the customer's decision to pledge the goods, grouped into 3 core factors: the first factor has an own value of 1,703, a combination of variations in credit facilities and guarantees. The second factor has an eigenvalue of 1,022, in particular from the loan procedure variable. The third factor has an eigenvalue of 1.003, which is an interest rate variable. And the factor that has the greatest influence is the first factor because it has the highest self-esteem.
Highlights
The main purpose of establishing a company is to offer added value to the company, employees, owners as well as to customers or customers of the company (Dinawan, 2010)
The data collection method used in this study is the sampling method, which is the method for collecting data by registering a small part of the population or, in other words, only taking the sample (Supranto; 2003: 68)
The population in this survey consisted of all customers who pledged their goods at Perum Pegadaian Aikmel East Lombok Branch, with a total of 27,543 people
Summary
The main purpose of establishing a company is to offer added value to the company, employees, owners as well as to customers or customers of the company (Dinawan, 2010) Another goal is to maintain the operational activities of the company by bringing profit to the company. Services are basically all economic activities with output in addition to products in physical form, which are consumed and produced at the same time, and which offer added value and elusive principles for their first buyers (Zeithaml and Bitner, 2000: 3). From this fact, marketing is an important factor that determines the success of the company in achieving its goals. The pawnshop as one of the BUMNs under the auspices of non-bank financing
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