ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PERMINTAAN KREDIT CEPAT AMAN (KCA) PADA PT. PEGADAIAN (Persero) UNIT PELAYANAN CABANG (UPC) TELUK KUANTAN

Abstract

This research is motivated by the demand for Secure Quick Loans (KCA) that always increasing every year at PT. Pegadaian (Persero) Branch Service Unit (UPC) Teluk Kuantan. This study aims to examine the Analysis of Factors Affecting the Demand for Secure Quick Loans (KCA) at PT. Pegadaian (Persero) Branch Service Unit (UPC) Teluk Kuantan. The data of this study were obtained from questionnaire (primary) data. The population in this study was 443 all customers who submitted Secure Quick Loans (KCA) requests to PT. Pegadaian (Persero) Branch Service Unit (UPC) Teluk Kuantan. The simple random sampling method obtained 82 samples. This study uses a quantitative approach. The analysis used multiple linear regression analysis, with the t test and coefficient of determination. The test results show that. First, the Effect of Customer Income has a significant effect on Secure Quick Loans Request (KCA), Second Interest Rates have a significant effect on Secure Quick Loans Request (KCA), Third Services have a significant effect on Secure Quick Loans Request (KCA), fourth Credit Return Period has a Secure Quick Loans Request (KCA). Terminated coefficient is 0,427 or equal to 42,7%, which means the Customer Revenue, Interest Rate, Service, Credit Return Period, Secure Quick Loans Request (KCA) is 42,7% while the remaining 57,3% is explained by other causative factors which comes from outside the regression that was not examined in this study.