Journal of Economics and Business Letters

Analysis of factors affecting demand for safe and quick loans at PT Pegadaian (Persero) main office in Medan City

by Edo Juanda Butar-Butar , Andre Fitriano , Jeremia Barus , Efendi Sadly
Vol. 3 No. 3 (2023): June 2023

Abstract

The purpose of this research is to determine whether or not Fast Secured Credit (KCA) demand is affected by customers’ income, the number of dependents they support, and their level of education. One hundred people were selected at random and through convenience sampling for this study. A quantitave approach was taken for this study. The test result show that the income variable, dependents, and education level have a positive and significant effect on demand for credit. It is recommended that if the customer’s income increases, the community should save money, if one day there is an urgent need it can be resolved.

References

  1. Ahmad, M., Kuldasheva, Z., Nasriddinov, F., Balbaa, M. E., & Fahlevi, M. (2023). Is achieving environmental sustainability dependent on information communication technology and globalization? Evidence from selected OECD countries. Environmental Technology and Innovation, 31. Scopus. https://doi.org/10.1016/j.eti.2023.103178
  2. Ahmed, S., Mushtaq, M., Fahlevi, M., Aljuaid, M., & Saniuk, S. (2023). Decomposed and composed effects of economic freedom on economic growth in south Asia. Heliyon, 9(2). Scopus. https://doi.org/10.1016/j.heliyon.2023.e13478
  3. Aprilani, T. L., Jermsittiparsert, K., Joemsittiprasert, W., Mustanir, A., Ahmad, J., Fahlevi, M., & Aljuaid, M. (2023). Do Social Factors Contribute to International Sports Performance: A Panel Data Analysis of Countries’ Performance in the Asian Games. Revista de Psicologia Del Deporte, 32(1), 92–100. Scopus.
  4. Fahlevi, M. (2021). Corporate branding in banking environment: Evidence from acquisition process. 729(1), 012130.
  5. Fahlevi, M., Aljuaid, M., & Saniuk, S. (2022). Leadership Style and Hospital Performance: Empirical Evidence From Indonesia. Frontiers in Psychology, 13(911640), 1–14. https://doi.org/10.3389/fpsyg.2022.911640
  6. Fahlevi, M., Jermsittiparsert, K., Wongsuwan, N., Aljuaid, M., & Chankoson, T. (2022). Moderating Effect of Ethical Climate between the Relationship of Coach Ethical Leadership and Affective Commitment: An Evidence from Thailand Nonprofessional Soccer Player. Revista de Psicología Del Deporte (Journal of Sport Psychology), 31(3), Article 3.
  7. Fahlevi, M., Jermsittiparsert, K., Wongsuwan, N., Aljuaid, M., Sukpasjaroen, K., & Chankoson, T. (2022). Player’s Physical Fitness, Training Process, and Team Support Impact on Football Team Performance in Thailand: Mediating Role of Player Satisfaction. Revista de Psicologia Del Deporte, 31(3), 194–203. Scopus.
  8. Fahlevi, M., Leonita, L., & Aries. (2022). The Role of Gender in Moderating the Effect of Teachers Empathy, Reputation and System Quality on Student Satisfaction Online Learning Program. Int. Conf. Cybern. Intell. Syst., ICORIS. 4th International Conference on Cybernetics and Intelligent System, ICORIS 2022. Scopus. https://doi.org/10.1109/ICORIS56080.2022.10031371
  9. Fahlevi, M., Vional, & Pramesti, R. M. (2022). Blockchain technology in corporate governance and future potential solution for agency problems in Indonesia. International Journal of Data and Network Science, 6(3), 721–726. Scopus. https://doi.org/10.5267/j.ijdns.2022.3.010
  10. Ghozali, I. (2018). Aplikasi Analisis Multivariate dengan Program IBM SPSS 25. (Edisi 9). Semarang: Badan Penerbit Universitas Diponegoro.
  11. Habiburrahman, Prasetyo, A., Raharjo, T. W., Rinawati, H. S., Trisnani, Eko, B. R., Wahyudiyono, Wulandari, S. N., Fahlevi, M., Aljuaid, M., & Heidler, P. (2022). Determination of Critical Factors for Success in Business Incubators and Startups in East Java. Sustainability (Switzerland), 14(21). Scopus. https://doi.org/10.3390/su142114243
  12. Khasanah, N., Sriyana, J., Prasetyo, A., Nurdinawati, V., Hartopo, A., Wahyudianto, H., Gartika, D., & Fahlevi, M. (2022). The role of knowledge management and sharing in cooperatives practices toward National Economic Recovery in the COVID-19 pandemic era. Frontiers in Public Health, 10. Scopus. https://doi.org/10.3389/fpubh.2022.963755
  13. Lind, D. A., Marchal, W. G., & Wathen, S. A. (2018). Statistical Techniques in Business & Economics (17th ed., p. 897). McGraw Hill Education.
  14. Marhaeni, A. a. I. N., Jermsittiparsert, K., Sudarmo, Indrawati, L. R., Prasetyo, A., Fuada, N., Rachmadhani, A., Raharjo, T. W., Wahyudianto, H., Harwijayanti, B. P., Sitorus, J., Fahlevi, M., & Aljuaid, M. (2023). Adoption of the Green Economy through Branchless Rural Credit Banks during the COVID-19 Pandemic in Indonesia. Sustainability, 15(3), Article 3. https://doi.org/10.3390/su15032723
  15. Marhaeni, A. A. I. N., Yasa, I. G. W. M., & Fahlevi, M. (2022). Gender and age in the language of social media: An easier way to build credibility. International Journal of Data and Network Science, 6(1), 209–216. Scopus. https://doi.org/10.5267/J.IJDNS.2021.9.007
  16. Mushtaq, M., Ahmed, S., Fahlevi, M., Aljuaid, M., & Saniuk, S. (2022). Globalization and employment nexus: Moderating role of human capital. PLoS ONE, 17(10 October). Scopus. https://doi.org/10.1371/journal.pone.0276431
  17. Prasetyo, A., Noviana, N., Rosdiana, W., Anwar, M. A., Hartiningsih, Hendrixon, Harwijayanti, B. P., & Fahlevi, M. (2023). Stunting Convergence Management Framework through System Integration Based on Regional Service Governance. Sustainability (Switzerland), 15(3). Scopus. https://doi.org/10.3390/su15031821
  18. Prasetyo, A., Putri Harwijayanti, B., Ikhwan, M. N., Lukluil Maknun, M., & Fahlevi, M. (2022). Interaction of Internal and External Organizations in Encouraging Community Innovation. Frontiers in Psychology, 13(903650), 1–9. https://doi.org/10.3389/fpsyg.2022.903650
  19. Romi, M. V., Jermsittiparsert, K., Joemsittiprasert, W., Wekke, I. S., Harakan, A., Yusuf, M., Fahlevi, M., & Aljuaid, M. (2023). Does Political Governance Influence the Sports Performance of Asia? Revista de Psicologia Del Deporte, 32(1), 50–58. Scopus.
  20. Saunders, M., Lewis, P., & Thornhill, A. (2009). Research Methods for Business Students (5th ed.). Prentice Hall.
  21. Sekaran, U., & Bougie, R. (2016). Research methods for business: A skill building approach. John Wiley & Sons.
  22. Shah, S. H. A., Al-Ghazali, B. M., Bhatti, S., Aman, N., Fahlevi, M., Aljuaid, M., & Hasan, F. (2023). The Impact of Perceived CSR on Employees’ Pro-Environmental Behaviors: The Mediating Effects of Environmental Consciousness and Environmental Commitment. Sustainability, 15(5), Article 5. https://doi.org/10.3390/su15054350
  23. Watto, W. A., Fahlevi, M., Mehmood, S., Asdullah, M. A., & Juhandi, N. (2023). Executive compensation: A justified reward or a mis-fortune, an empirical analysis of banks in Pakistan. Journal of Open Innovation: Technology, Market, and Complexity, 9, 100092. https://doi.org/10.1016/j.joitmc.2023.100092