PENGARUH SUKU BUNGA, PROSEDUR PELAYANAN DAN KECEPATAN PELAYANAN TERHADAP KEPERCAYAAN NASABAH DAN KEPUTUSAN PENGAMBILAN KREDIT PADA BRI DI WILAYAH SURAKARTA
Bibliographic record
Abstract
The purpose of this study is to find out and test the influence of interest rates, service procedures and the speed of service on customer trust and decision to take credit at BRI in the Surakarta Region. The population in this study is credit customers above Rp.500,000,000.00 at BRI in the Surakarta Region with 880 customers. The sample in this study is 10% of the population that is equal to 88 customers, rounded up to 100 respondents in order to get better results. The analysis technique in this study uses the instrument test, t test, F test, test coefficient of determination and path analysis. The Hypothesis Test results are that interest rates have a significant effect on customer trust. Service procedures have a significant effect on customer trust. Service speed has no significant effect on customer trust. Interest rates have a significant effect on credit decision making. Service procedures have a significant effect on credit decision making. Service speed has a significant effect on credit decision making. Trust has a significant effect on credit decision making. The results of the F test can be summed up together with variable interest rates, service procedures, service speed, and trust influencing credit decision making. The results of the coefficient of determination show that 98.2% interest rates, service procedures and service speed influence the decision to take credit at BRI in the Surakarta region. The results of path analysis show that the direct effect of service speed on credit decision making is the most dominant influence in influencing credit decision making at BRI in the Surakarta region. Tujuan penelitian ini adalah untuk mengetahui dan menguji pengaruh suku bunga, prosedur pelayanan dan kecepatan pelayanan terhadap kepercayaan nasabah dan keputusan pengambilan kredit pada BRI di Wilayah Surakarta. Populasi dalam penelitian ini adalah nasabah kredit diatas Rp. 500.000.000,00 di BRI di Wilayah Surakarta sejumlah 880 nasabah. Sampel dalam penelitian ini adalah sebesar 10% dari populasi yaitu sebesar 88 nasabah, dibulatkan menjadi 100 responden agar mendapatkan hasil yang lebih baik. Teknik analisis dalam penelitian ini menggunakan uji instrumen, uji t, uji F, uji koefisien determinasi dan analisis jalur. Hasil Uji Hipotesis adalah suku bunga berpengaruh signifikan terhadap kepercayaan nasabah. Prosedur pelayanan berpengaruh signifikan terhadap kepercayaan nasabah. Kecepatan pelayanan berpengaruh tidak signifikan terhadap kepercayaan nasabah. Suku bunga berpengaruh signifikan terhadap keputusan pengambilan kredit. Prosedur pelayanan berpengaruh signifikan terhadap keputusan pengambilan kredit. Kecepatan pelayanan berpengaruh signifikan terhadap keputusan pengambilan kredit. Kepercayaan berpengaruh signifikan terhadap keputusan pengambilan kredit. Hasil uji F dapat disimpulkan secara bersama-sama variabel suku bunga, prosedur pelayanan, kecepatan pelayanan, dan kepercayaan berpengaruh terhadap keputusan pengambilan kredit. Hasil koefisien determinasi menunjukkan sebesar 98,2% suku bunga, prosedur pelayanan dan kecepatan pelayanan mempengaruhi keputusan pengambilan kredit di BRI di wilayah Surakarta. Hasil analisis jalur menunjukkan bahwa pengaruh langsung kecepatan pelayanan terhadap keputusan pengambilan kredit merupakan pengaruh paling dominan dalam mempengaruhi keputusan pengambilan kredit di BRI di wilayah Surakarta.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.001 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.002 | 0.001 |
| Scholarly communication | 0.002 | 0.001 |
| Open science | 0.000 | 0.001 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.014 | 0.002 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".