Analyzing the Impact of Service Quality, Credit Procedures, and Interest Rates on Customer Credit Decisions at Bank Mandiri Dili Timor-Leste

Abstract

The purpose of this study was to determine and analyze the quality of service, credit procedures and interest rates affect customer decisions to take credit at Bank Mandiri Timor-Leste. This research method is causative research. Causative research focuses on proving research hypotheses and understanding through various tests. Causative research more often attempts to measure a concept (variable), so that it is easier to understand statistically. The results showed that service quality has a positive and significant effect on customer decisions in taking credit, credit procedures have a positive and significant effect on customer decisions in taking credit, interest rates have a positive and significant effect on customer decisions in taking credit, and service quality, credit procedures and interest rates have a positive and significant effect on customer decisions in taking credit.