FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN PEMBERIAN KREDIT SEPEDA MOTOR KEPADA KONSUMEN DI PT.WOM FINANCE CABANG PALEMBANG
RUDI FIRMANSYAH
Universitas Bina Darma
Rudi Firmansyah, “Factors influencing the decision to grant motorcycle credit to consumers in PT.WOM Finance Palembang branch”. Supervised by Wiwin Agustian and Fitriasuri. Financing has become the main activity of this organization so it requires a very careful analysis in order to generate profits and support the ongoing efforts of this organization. Financing analysisthat is often used in a healthy manner is 5C (Character, Capacity, Condition, Capital and Collateral). The problems of this research is how the factors that influence the decision to grant credit to consumers in motorcycle PT. WOM Finance Palembang branch. The purpose of this study was to determine the factors that influence the decision to grant motorcycle credit to consumers in PT. WOM Finance Palembang branch. The analytical tool used was SPSS version 21.0 which there are multiple linear regression, correlation coefficient, F test and t test. For Multiple linear regression equation obtained is Y = 4.120 +0.428 X1 +0.085 X2 +0.307 X3 +0.102 X4 +0.325 X5 + e. The score of the multiple linear regression equation shows that the factors in lending have positive influence on lending decisions. Based on the analysis result of the character, capacity, capital, collateral and conditions in PT. WOM Finance Palembang branch shows that the variable character, capacity, capital, collateral and conditions affect the credit decision in PT. WOM Finance Palembang branch.
Keywords: Finance, PT. WOM Finance, and Provision of Financing.
