THE EFFECT OF SERVICE QUALITY AND INTEREST RATES ON CREDIT DECISIONS AT PT PEGADAIAN UPC GLUGUR MEDAN

Authors

  • Wirna Sinaga Universitas HKBP Nomennsen, Indonesia
  • Nalom Siagian Universitas HKBP Nommensen, Indonesia
  • Lampola Sitorus Universitas HKBP Nommensen, Indonesia

DOI:

https://doi.org/10.29040/ijebar.v10ispecialissue.19450

Abstract

: This research was conducted to evaluate the impact of service quality and interest rates on credit decision-making at PT Pegadaian UPC Glugur Medan. The study utilized a quantitative approach, with data gathered through a questionnaire. The population consisted of customers from Pegadaian UPC Glugur Medan. The sample size was determined using the Slovin formula, leading to a total of 98 respondents. Accidental sampling was the method used for selecting participants. Data analysis was performed using SPSS version 26.0. This study fulfilled both validity and reliability criteria. The data analysis included classical assumption tests and multiple linear regression tests, with the variable X1 (Service Quality) showing a coefficient of 0.375, the variable X2 (Interest Rate) at 0.382, and an R-squared value of 0.701. The findings of this research indicate that both service quality and interest rates exert a simultaneous and individual influence on credit decision-making.

Downloads

Published

2026-03-09

How to Cite

Sinaga, W., Siagian, N., & Sitorus, L. (2026). THE EFFECT OF SERVICE QUALITY AND INTEREST RATES ON CREDIT DECISIONS AT PT PEGADAIAN UPC GLUGUR MEDAN . International Journal of Economics, Business and Accounting Research (IJEBAR), 10(specialissue). https://doi.org/10.29040/ijebar.v10ispecialissue.19450

Issue

Vol. 10 No. specialissue (2026): Vol. 10, Special Issue, 2026

Section

Articles

Citation Check

License

Authors who publish with IJEBAR agree to the following terms: Authors retain copyright and grant the IJEBAR right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-SA 4.0) that allows others to share (copy and redistribute the material in any medium or format) and adapt (remix, transform, and build upon the material) the work for any purpose, even commercially with an acknowledgement of the work's authorship and initial publication in IJEBAR. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in IJEBAR. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).