SINAGA, Wirna; SIAGIAN, Nalom; SITORUS, Lampola. 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), [S. l.], v. 10, n. specialissue, 2026. DOI: 10.29040/ijebar.v10ispecialissue.19450. Disponível em: https://jurnal.stie-aas.ac.id/index.php/IJEBAR/article/view/19450. Acesso em: 19 mar. 2026.