ABSTRACT: The purpose of this study is to determine the Influence of Interest Rates, Location, Service and Procedure Credit Against Decision Making Credit at Bank Sulselbar Makassar Branch. The population in this study were customers in the last year in April 2012 until April 2013 At Bank Sulselbar Makassar Branch with the number of samples of 80 people. Methods in collecting data in this study are questionnaires, interviews, and documentation. The method of data analysis using descriptive method and quantitative method that is by multiple linear regression analysis used to measure the Influence of Interest Rate, Location, Service and Credit Procedure To Decision Of Taking Credit At Bank Sulselbar Makassar Branch. Based on the F test of independent variables (interest rates, location, service and credit procedures) together have a positive and significant effect on the dependent variable that is the decision to take credit. By testing the correlation coefficient (R) obtained that the level of correlation or relationship between Interest Rates, Location, Service and Procedure Credit Against Decision Making Credit at Bank Sulselbar Makassar Branch is a high relationship that is 61.8%. And the rate of interest is the most dominant factor influencing Decision Making Sulselbar Credit Bank Branch In Makassar.
Design and Implementation Decision Support System using MADM Methode for Bank...IJRESJOURNAL
ABSTRACT: The function of banking process can be broadly defined as an institution functioning as a capital receiver and lender, as well as support for trading and payment transactions. In order to maintain the stability of the economy through lending, Bank Indonesia issued a form letter on March 15, 2012 on the application of risk management for the bank conducting credit. In an effort to minimize these problems, Bank Indonesia recommends the precautionary principle in arranging the loan terms and choose the prospective customer in the credit granting institutions, both banks and cooperatives to take into account the risk on lending. A method is needed to select bank for credit applications to the public, i.e. the customer. This research uses the comparison of MADM (Multiple Attribute Decision Making) between TOPSIS (Technique for Order Preference by Similarity to Ideal Solution) method and ELECTRE (ELimination Et Choix TRaduisant la realitE) method for the loan provisions to the customers. With the hope of getting the quickest and the most accurate solutions, the hesitancy in determining customers for lending can then be minimized.
Customers Satisfaction on the Retail Banking Sector in Bangladesh: A Case Stu...Dr. Amarjeet Singh
Nowadays competition among company to the
company very serves, but most of the companies present
nearly the same product or service with their competitors. To
comprehend from competitors a firm need or offer superior
services. Customer satisfaction is now one of the important
key factors in the business sector. When it comes to banking
sector customer satisfaction level is differentiated to one bank
to another, thus measuring customer satisfaction is awfully
important. without satisfied customers, the bank cannot exist.
This work focus on the customer satisfaction in the retail
bank on city bank limited. This research is conducted to
affirm customer expectation on retail banking, which is
decisive for the growth of the company.
Analysis of Factors Affecting the Customer’s Satisfaction with reference to A...iosrjce
This is an age of technology. Now, all types of organizations are adopting the modern technology
for providing efficient services to the customers. This study is an attempt to find out the significant factors that
affecting the customer‟s satisfaction in ATM (Automated Teller Machine) service in Dhaka city. The results of
reliability test, factor analysis, and regression analysis focuses that cost of services of ATM, ATM network,
security in transactions of ATM, location of ATM Centers, and maximum withdrawal limit per day are the most
vital factors in customers satisfaction of ATM services. Finally it is evident from the study; overall 62% of the
customers are satisfied by using ATM services in Dhaka city.
Design and Implementation Decision Support System using MADM Methode for Bank...IJRESJOURNAL
ABSTRACT: The function of banking process can be broadly defined as an institution functioning as a capital receiver and lender, as well as support for trading and payment transactions. In order to maintain the stability of the economy through lending, Bank Indonesia issued a form letter on March 15, 2012 on the application of risk management for the bank conducting credit. In an effort to minimize these problems, Bank Indonesia recommends the precautionary principle in arranging the loan terms and choose the prospective customer in the credit granting institutions, both banks and cooperatives to take into account the risk on lending. A method is needed to select bank for credit applications to the public, i.e. the customer. This research uses the comparison of MADM (Multiple Attribute Decision Making) between TOPSIS (Technique for Order Preference by Similarity to Ideal Solution) method and ELECTRE (ELimination Et Choix TRaduisant la realitE) method for the loan provisions to the customers. With the hope of getting the quickest and the most accurate solutions, the hesitancy in determining customers for lending can then be minimized.
Customers Satisfaction on the Retail Banking Sector in Bangladesh: A Case Stu...Dr. Amarjeet Singh
Nowadays competition among company to the
company very serves, but most of the companies present
nearly the same product or service with their competitors. To
comprehend from competitors a firm need or offer superior
services. Customer satisfaction is now one of the important
key factors in the business sector. When it comes to banking
sector customer satisfaction level is differentiated to one bank
to another, thus measuring customer satisfaction is awfully
important. without satisfied customers, the bank cannot exist.
This work focus on the customer satisfaction in the retail
bank on city bank limited. This research is conducted to
affirm customer expectation on retail banking, which is
decisive for the growth of the company.
Analysis of Factors Affecting the Customer’s Satisfaction with reference to A...iosrjce
This is an age of technology. Now, all types of organizations are adopting the modern technology
for providing efficient services to the customers. This study is an attempt to find out the significant factors that
affecting the customer‟s satisfaction in ATM (Automated Teller Machine) service in Dhaka city. The results of
reliability test, factor analysis, and regression analysis focuses that cost of services of ATM, ATM network,
security in transactions of ATM, location of ATM Centers, and maximum withdrawal limit per day are the most
vital factors in customers satisfaction of ATM services. Finally it is evident from the study; overall 62% of the
customers are satisfied by using ATM services in Dhaka city.
CUSTOMER PERCEPTIONS AND SATISFACTION TOWARDS HOME LOAN AT PUBLIC BANKS OF TA...IAEME Publication
Tamilnadu has made a rapid stride in the development of urban cooperative banks with an aim to provide adequate and timely financial assistance to help the small entrepreneurs, middle class and weaker sections of the society. The present study was undertaken to analyze the perception of customers towards home loans of Public Banks of Tamilnadu. The paper examined the satisfaction level and problems faced by customers while availing loans. A sample of 100 customers of the bank comprising of public servants, Public sector employees and self-employed from its three branches serving Chennai, Kanchipuram and Thiruvallur Districts has been selected. The research has found that the customers of the bank were highly satisfied with the home loan services in relation to its services, transparency, time taken for loan approval, employee co-operation and query handling, prima facie of some problems like procedural delays, lack of knowledge and red-tapisim. The results further revealed that the main reason for people to prefer this bank is the trust of the customers in the bank, lower interest rates and easy repayable installments.
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
The aim of this study is to analyze the quality of Internet banking services consisting of
Efficiency, System Availability, Fulfillment, Privacy, Responsiveness, Compensation and Contact with positive
and significant effects partially and simultaneously towards the Customer Satisfaction at Bank in Bandung. The
research method used is associative descriptive method with data collection techniques through questionnaires.
The results showed that the quality of Internet banking services consisting of Efficiency, System Availability,
Fulfillment, Privacy, Responsiveness, Compensation and Contact had a positive and significant effect on
customer satisfaction at Bank in Bandung
A STUDY ON PERCEPTION OF INTERNET BANKING USERS SERVICE QUALITY - A STRUCTURA...IAEME Publication
The purpose of the study is to identify the perceptions of Internet banking (IB) users in Tamil Nadu using technology acceptance model (TAM) by incorporating service quality as external variable. The study found that both the TAM variables – perceived ease of use (PEOU) and perceived usefulness (PU). A total of 380 questionnaires were distributed for internet banking customers and 336 were returned (resulting 88.42 percentage of response rate). The results confirm that the all six dimensions (Website attribute, Reliability, Responsiveness, Fulfillment, Efficiency and Privacy) are distinct constructs. The results also indicate that internet banking service quality consisting of six dimensions has appropriate reliability and each dimension has a significant relationship with internet banking service quality. The efficiency of banking website is the important aspect of internet banking service quality. The finding found that the relationship between internet banking service quality, perceived ease of use and perceived usefulness are significant. This study proposes a model to understand the effect of internet banking service quality on perceived ease of use and perceived usefulness in developing country. The constructs truly reflect the dynamism of customers’ banking relationship and a better understanding the attitude on internet banking will help the bankers in implementing more effective marketing strategies.
The Impact of Technology Based Self Service Banking Dimensions On Customer Sa...ijbiss
The technology based self service banking (TBSSB) refers to automated banking services that customer avail in self service mode using various electronic banking channels, without any interaction with bank employees. This paper investigates the relationship between key dimensions (factors) of TBSSB service quality and Customer Satisfaction. A structured questionnaire was formulated by identifying and adapting attributes on the basis of past studies on service quality of automated services and customer satisfaction.Data was collected from sample of bank customers in India. The collected data was divided into two subsamples of equal size. The TBSSB service quality and customer satisfaction dimensions were identified by conducting an exploratory factor analysis (EFA) on the half of the collected data using SPSS 16.0 software.Factor structure was confirmed by conducting confirmatory factor analysis (CFA) using AMOS 20.0 software on the remaining half of the collected data
Effect of Customer Relationship Management in Public and Private Banksijtsrd
In the present banking scenario, relationship management is an indispensable competitive strategy to retain the customer base. Banks is trying to win trust, customer satisfaction and loyalty by providing better services. The main functions of the banking system are to mobilize resources from the public and channel them into growth oriented activities. This paper investigated the most important factors in customer relationship management and the degree of variance between public and private banks on relationship management. 225 samples were used to analyze the study, where descriptive and t test were applied to know the variance between the variables. Namely, Customer Welfare, Communication, Commitment, Employee work behaviour, Customer grievance and care, customer bonding, Trust, customer satisfaction, and loyalty. It is identified that customer welfare services is significantly varied based on types of bank. The other dimensions communication, relationship commitment, employee work behaviour, customer grievanceand care and customer bonding are not significantly. R. Anuradha | Dr. L. Sumathi | Dr. V. Vetrivel "Effect of Customer Relationship Management in Public and Private Banks" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-3 | Issue-5 , August 2019, URL: https://www.ijtsrd.com/papers/ijtsrd26464.pdfPaper URL: https://www.ijtsrd.com/management/business-and-retail-research/26464/effect-of-customer-relationship-management-in-public-and-private-banks/r-anuradha
Factors Affecting the Decision on Bank Loan A Case of Individual Customers at...YogeshIJTSRD
The study aims to find out factors affecting the decision to continue bank loans of individual customers at Agribank O Mon, Can Tho City. The research data were gathered from 161 individual customers who have loans at Agribank O Mon. The study has identified seven impacting factors to the decision on bank loans of individual customers by applying exploratory factor analysis and multivariate linear regression. The descending influence level of each factor is as follows customer trust, assurance, bank brand, tangibility, responsiveness, understanding, and accessibility. Vo Tu Vinh "Factors Affecting the Decision on Bank Loan: A Case of Individual Customers at Agribank O Mon, Can Tho City, Vietnam" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-3 , April 2021, URL: https://www.ijtsrd.com/papers/ijtsrd38701.pdf Paper URL: https://www.ijtsrd.com/management/accounting-and-finance/38701/factors-affecting-the-decision-on-bank-loan-a-case-of-individual-customers-at-agribank-o-mon-can-tho-city-vietnam/vo-tu-vinh
Factors Affecting Customers’ Experience in Mobile Banking of BangladeshDr. Nazrul Islam
Bangladesh is a densely populated country of the world. More than 170 million people live in this country. Mobile banking is a very important and new phenomenon in Bangladesh. In recent years, mobile banking has got highest importance by the customers in the country as it provides immense scope for consumers for banking transactions at any time with the option to access bank’s facilities anywhere of the country. It is a subset of electronic banking, the use of which is increasing day by day in Bangladesh. Hence, this paper aims at indentifying the factors that influence the customer experience in mobile banking in Bangladesh. This study is based on a survey of 231 mobile banking customers of nine private commercial banks of Bangladesh. Literature review identified some factors related to mobile banking like convenient and responsive system, transaction speed and accuracy, reliability, transaction security in ATM booth and technological difficulty that affect customers’ experience in mobile banking systems etc. Both descriptive and inferential statistics were used to analyze the data. Descriptive statistics were used to describe the present situation of the mobile banking systems in Bangladesh. Inferential statistics like factor analysis, multiple regression analysis and Structural Equation Modeling (SEM) were used to identify the relationships between the overall experience of the mobile banking customers and the specific factor(s) that affect customers experience in mobile banking. Results show that the convenient and responsive system, transaction security in ATM booth and technological difficulty are significant factors that affect the customers experience in mobile banking of Bangladesh. This study suggests that the policymakers should focus on the convenient and responsive system of mobile banking, transaction security in ATM booth and technological difficulty factors that affect customers experience in doing mobile banking for the improvement of the mobile banking services in Bangladesh.
CUSTOMER PERCEPTIONS AND SATISFACTION TOWARDS HOME LOAN AT PUBLIC BANKS OF TA...IAEME Publication
Tamilnadu has made a rapid stride in the development of urban cooperative banks with an aim to provide adequate and timely financial assistance to help the small entrepreneurs, middle class and weaker sections of the society. The present study was undertaken to analyze the perception of customers towards home loans of Public Banks of Tamilnadu. The paper examined the satisfaction level and problems faced by customers while availing loans. A sample of 100 customers of the bank comprising of public servants, Public sector employees and self-employed from its three branches serving Chennai, Kanchipuram and Thiruvallur Districts has been selected. The research has found that the customers of the bank were highly satisfied with the home loan services in relation to its services, transparency, time taken for loan approval, employee co-operation and query handling, prima facie of some problems like procedural delays, lack of knowledge and red-tapisim. The results further revealed that the main reason for people to prefer this bank is the trust of the customers in the bank, lower interest rates and easy repayable installments.
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
The aim of this study is to analyze the quality of Internet banking services consisting of
Efficiency, System Availability, Fulfillment, Privacy, Responsiveness, Compensation and Contact with positive
and significant effects partially and simultaneously towards the Customer Satisfaction at Bank in Bandung. The
research method used is associative descriptive method with data collection techniques through questionnaires.
The results showed that the quality of Internet banking services consisting of Efficiency, System Availability,
Fulfillment, Privacy, Responsiveness, Compensation and Contact had a positive and significant effect on
customer satisfaction at Bank in Bandung
A STUDY ON PERCEPTION OF INTERNET BANKING USERS SERVICE QUALITY - A STRUCTURA...IAEME Publication
The purpose of the study is to identify the perceptions of Internet banking (IB) users in Tamil Nadu using technology acceptance model (TAM) by incorporating service quality as external variable. The study found that both the TAM variables – perceived ease of use (PEOU) and perceived usefulness (PU). A total of 380 questionnaires were distributed for internet banking customers and 336 were returned (resulting 88.42 percentage of response rate). The results confirm that the all six dimensions (Website attribute, Reliability, Responsiveness, Fulfillment, Efficiency and Privacy) are distinct constructs. The results also indicate that internet banking service quality consisting of six dimensions has appropriate reliability and each dimension has a significant relationship with internet banking service quality. The efficiency of banking website is the important aspect of internet banking service quality. The finding found that the relationship between internet banking service quality, perceived ease of use and perceived usefulness are significant. This study proposes a model to understand the effect of internet banking service quality on perceived ease of use and perceived usefulness in developing country. The constructs truly reflect the dynamism of customers’ banking relationship and a better understanding the attitude on internet banking will help the bankers in implementing more effective marketing strategies.
The Impact of Technology Based Self Service Banking Dimensions On Customer Sa...ijbiss
The technology based self service banking (TBSSB) refers to automated banking services that customer avail in self service mode using various electronic banking channels, without any interaction with bank employees. This paper investigates the relationship between key dimensions (factors) of TBSSB service quality and Customer Satisfaction. A structured questionnaire was formulated by identifying and adapting attributes on the basis of past studies on service quality of automated services and customer satisfaction.Data was collected from sample of bank customers in India. The collected data was divided into two subsamples of equal size. The TBSSB service quality and customer satisfaction dimensions were identified by conducting an exploratory factor analysis (EFA) on the half of the collected data using SPSS 16.0 software.Factor structure was confirmed by conducting confirmatory factor analysis (CFA) using AMOS 20.0 software on the remaining half of the collected data
Effect of Customer Relationship Management in Public and Private Banksijtsrd
In the present banking scenario, relationship management is an indispensable competitive strategy to retain the customer base. Banks is trying to win trust, customer satisfaction and loyalty by providing better services. The main functions of the banking system are to mobilize resources from the public and channel them into growth oriented activities. This paper investigated the most important factors in customer relationship management and the degree of variance between public and private banks on relationship management. 225 samples were used to analyze the study, where descriptive and t test were applied to know the variance between the variables. Namely, Customer Welfare, Communication, Commitment, Employee work behaviour, Customer grievance and care, customer bonding, Trust, customer satisfaction, and loyalty. It is identified that customer welfare services is significantly varied based on types of bank. The other dimensions communication, relationship commitment, employee work behaviour, customer grievanceand care and customer bonding are not significantly. R. Anuradha | Dr. L. Sumathi | Dr. V. Vetrivel "Effect of Customer Relationship Management in Public and Private Banks" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-3 | Issue-5 , August 2019, URL: https://www.ijtsrd.com/papers/ijtsrd26464.pdfPaper URL: https://www.ijtsrd.com/management/business-and-retail-research/26464/effect-of-customer-relationship-management-in-public-and-private-banks/r-anuradha
Factors Affecting the Decision on Bank Loan A Case of Individual Customers at...YogeshIJTSRD
The study aims to find out factors affecting the decision to continue bank loans of individual customers at Agribank O Mon, Can Tho City. The research data were gathered from 161 individual customers who have loans at Agribank O Mon. The study has identified seven impacting factors to the decision on bank loans of individual customers by applying exploratory factor analysis and multivariate linear regression. The descending influence level of each factor is as follows customer trust, assurance, bank brand, tangibility, responsiveness, understanding, and accessibility. Vo Tu Vinh "Factors Affecting the Decision on Bank Loan: A Case of Individual Customers at Agribank O Mon, Can Tho City, Vietnam" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-3 , April 2021, URL: https://www.ijtsrd.com/papers/ijtsrd38701.pdf Paper URL: https://www.ijtsrd.com/management/accounting-and-finance/38701/factors-affecting-the-decision-on-bank-loan-a-case-of-individual-customers-at-agribank-o-mon-can-tho-city-vietnam/vo-tu-vinh
Factors Affecting Customers’ Experience in Mobile Banking of BangladeshDr. Nazrul Islam
Bangladesh is a densely populated country of the world. More than 170 million people live in this country. Mobile banking is a very important and new phenomenon in Bangladesh. In recent years, mobile banking has got highest importance by the customers in the country as it provides immense scope for consumers for banking transactions at any time with the option to access bank’s facilities anywhere of the country. It is a subset of electronic banking, the use of which is increasing day by day in Bangladesh. Hence, this paper aims at indentifying the factors that influence the customer experience in mobile banking in Bangladesh. This study is based on a survey of 231 mobile banking customers of nine private commercial banks of Bangladesh. Literature review identified some factors related to mobile banking like convenient and responsive system, transaction speed and accuracy, reliability, transaction security in ATM booth and technological difficulty that affect customers’ experience in mobile banking systems etc. Both descriptive and inferential statistics were used to analyze the data. Descriptive statistics were used to describe the present situation of the mobile banking systems in Bangladesh. Inferential statistics like factor analysis, multiple regression analysis and Structural Equation Modeling (SEM) were used to identify the relationships between the overall experience of the mobile banking customers and the specific factor(s) that affect customers experience in mobile banking. Results show that the convenient and responsive system, transaction security in ATM booth and technological difficulty are significant factors that affect the customers experience in mobile banking of Bangladesh. This study suggests that the policymakers should focus on the convenient and responsive system of mobile banking, transaction security in ATM booth and technological difficulty factors that affect customers experience in doing mobile banking for the improvement of the mobile banking services in Bangladesh.
Marketing Mix Effect on the Decision of Customers in The Matter In Choosing T...inventionjournals
The purpose of research is to analyze the extent of the influence of product to the customer's decision in choosing a house purchase loans at PT BNI Griya> BNI (Persero) Tbk Branch 46 Makassar, the study population of customers who took credit purchases (mortgages) on PT.BNI (Persero) Tbk Makassar branch numbering as many as 1,575 people customers, sample using the formula slovin so sampling is set at 94 Respondents., Methods of data analysis used is multiple regression analysis. Research results show that the marketing mix (product, promotion, location, employees, infrastructure and service processes) in regression positive and significant impact on the customer's decision, while variable rates negative and significant effect on the customer's decision, while seen from the test results either partially and simultaneously the marketing mix and significant effect simultaneously on the customer's decision in choosing a mortgage BNI Griya, dominant variable affecting customers in selecting the mortgages BNI Griya is a product, the reason being that the product has a regression coefficient greatest when compared regression coefficient of other variables in the marketing mix
This study aims to examine and analyze the influence of Product Quality, Place, Service Quality and
Promotion partially and or together on customer purchase decisions related to choosing regular savings and
business savings at Bank Mandiri, Gading Serpong, Tangerang Selatan. Research data is obtained by
conducting a survey of customers
Banking system occupies an important place in Indian economy.
It provides various services to its customer. The nature of its services has evolved as the advancement of technology. It has become most challengeable to understand the customer satisfaction with quality of services. The present investigation was planned with the objective to analyse the customer choice towards the services provided by the bank. The research data was collected by the various bank customers for analysing the service quality from the ratings provided by the customer. In this regard, this research paper focuses with a purpose to report the findings of selected banking services which are used by the customers in India.
A study of bajaj finserv consumer durable loan procedure VeshankKamle1
A Bajaj Finserv internship report should provide a comprehensive overview of your internship experience at Bajaj Finserv. Here's a general structure and description you can follow:
1. **Title Page:**
- Include your name, the internship title, the name of Bajaj Finserv, and the date.
2. **Table of Contents:**
- List the sections and page numbers for easy navigation.
3. **Executive Summary:**
- Summarize the key points of your internship, including your role, responsibilities, and major achievements.
4. **Introduction:**
- Provide an overview of Bajaj Finserv, its industry, and the purpose of your internship.
5. **Company Background:**
- Describe Bajaj Finserv's history, mission, values, and key operations.
6. **Internship Objectives:**
- State the specific goals and objectives you aimed to achieve during your internship.
7. **Roles and Responsibilities:**
- Detail your job description, the department you worked in, and your daily tasks.
8. **Projects and Accomplishments:**
- Highlight the projects you worked on, the problems you solved, and the results you achieved.
9. **Skills and Knowledge Gained:**
- Explain what new skills, knowledge, and experiences you acquired during the internship.
10. **Challenges Faced:**
- Discuss any obstacles or difficulties encountered and how you overcame them.
11. **Learning and Development:**
- Reflect on your personal and professional growth during the internship.
12. **Recommendations:**
- Suggest improvements or changes based on your internship experience.
13. **Conclusion:**
- Sum up the key takeaways from your internship.
14. **Appendices:**
- Include any supporting documents, such as graphs, charts, or samples of your work.
15. **Acknowledgments:**
- Thank your mentors, colleagues, and the organization for the support and guidance.
16. **References:**
- Cite any sources or references used in your report.
17. **Personal Reflection:**
- Offer a personal reflection on your overall experience and how it has contributed to your career goals.
Remember to use clear and concise language, provide evidence of your contributions, and include any data or results that showcase the impact of your work. Additionally, tailor the report to the specific guidelines provided by your internship coordinator or supervisor.
Effects of Loan Management Practices on the Financial Performance of Deposit ...paperpublications3
Abstract: Microfinance plays a vital role to a country’s economy since it provides loans to small and medium enterprises which constitute the majority of businesses in most countries. The main objective of the study was to determine the effect of loan management on the financial performance of Deposit Taking SACCOs in Kisii County. The target population of this study was 120 employees of all the six Deposit Taking SACCOs in Kisii County. The study used census technique. Primary data were collected using a questionnaire. The data were analyzed by use of descriptive statistics and inferential statistics. The study revealed that loan collection policies, credit risk measures and loan default have significant effect on the performance of Deposit Taking SACCOs. The study recommended that the SACCOs should uphold monitoring of loans that are in arrear, also penalize clients for late payment and limit access to repeat loans for defaulters, monitor the flow of borrower's business through the SACCO's account, make regular review of the borrower's reports, be supportive to borrowers whenever they are in difficulties, make frequent contact with borrowers and that they make on-line visits.
Keywords: SACCOs, Loan, Deposit taking, Loan collection, Credit risk, Loan default.
Title: Effects of Loan Management Practices on the Financial Performance of Deposit Taking SACCOs in Kisii County
Author: Gladys Nyanchama Bwoma, Dr. Willy Mwangi Muturi, Dr. Vitalis Abuga Mogwambo
ISSN 2349-7807
International Journal of Recent Research in Commerce Economics and Management (IJRRCEM)
Paper Publications
CHAPTER:-1
INTRODUCTION OF THE STUDY
The report contains the brief description of the state bank of India. It contains the finding and analysis of the survey conducted to gather primary data to judge the importance of various attributes that influence the satisfaction of customer in different manner and to the different extent. These attributes are classified as initial experience, service delivery experience, relationship experience and grievance handling. Further an attempt has been made to know the overall satisfaction of the customer.
Customer satisfaction, a term frequently used in marketing, is a measure of how products and services supplied by a company meet or surpass customer expectation. Customer satisfaction is defined as "the number of customers, or percentage of total customers, whose reported experience with a firm, its products, or its services (ratings) exceeds specified satisfaction goals. Customer service proves to be one of the most important factors governing business.
OBJECTIVE OF THE STUDY:-
• TO find out the customer feedback i.e. improvement required or suggestion.
• To find out the relationship between bank and the customer.
• To study the Satisfaction of customers towards the ― state bank of India.
• To Identify the factors that influences the customer behavior of ―state bank of India.
• To identify the factors those influence the selection of SBI banking services in MUMBAI DISTRICT.
SCOPE OF THE STUDY:-
The present study was undertaken to know the preference of the customer towards state bank of India (SBI). The problem of the customer is they are not aware of the services provided by their bank. The study also force on the customer perception that how the banking services can be improved. In my study I have used both primary sources of data as well as secondary sources of data.
• The study has been conducted on behalf of ―STATE BANK OF INDIA.
• The study is confined to the Mumbai region.
• The study covers the service providers and users of ―STATE BANK OF INDIA.
• The study has put forward the Customers as well as acceptability behavior for the services.
• The scope of the study is to find out the ―Customer Satisfaction
Limitations of the Study:-
The study report consists of few limitations:-
• The report has been conducted within a limited time frame.
• The study is self financed.
• The study is limited to the customer of Mumbai only.
• Only selected Branches and Banks have been considered for the study.
• Samples were selected conveniently.
• The sample size does not represent the total population.
• The sample of size is limited to 30 only and the sample size may not represent whole market.
LITERATURE REVIEW:-
Customer Satisfaction on Banking Services in Indian Growing Economy Nainital ...Dr. Amarjeet Singh
Finance is the energy of every business whether it is
profit making or loss-making business and finance are
required. Economy grows with the developing people of his
country. There is no way to grow the country economy
without financial growing of his resident peoples and banking
sector play a major role to provide financial services. Banks
play a major role in the growth of the economy by providing
their services. Customer satisfaction is essential for the future
growth of both bank and country economy growth also. This
study made to determine customer satisfaction level on
banking services. This study based on primary data. Primary
data collected through questionnaire. The questionnaire
collected from 50 peoples in Kumoun region specially in
Haldwani urban area. All types of people included in sample
collection Students, Employees, Self Employees, and retired
persons. To assess customer satisfaction used the pre-tested
five points Likert's scale test. On the basis of the analysis, it is
concluded that the customer service satisfaction level of banks
is 73.80%.Key Words: Customer satisfaction, Banking
services, Overall satisfaction.
On the Use of the Causal Analysis in Small Type Fit Indices of Adult Mathemat...QUESTJOURNAL
ABSTRACT: Model evaluation is one of the most important aspects of Structural Equation Modeling (SEM). Many model fit indices have been developed. It is not an exaggeration to say that nearly every publication using the SEM methodology has reported at least one fit index. Fit is the ability of a model to reproduce the data in the variance-covariance matrix form. A good fitting model is one that is reasonably consistent with the data and doesn’t require respecification and also its measurement model is required before estimating paths in a covariance structure model. A baseline model of four constructs together with a combination of none, one, two, three or four additional constructs was constructed with latent variables: educational performance, socioeconomic label, self concept and parental authority using dichotomous digits 0 or 1 for each additional construct. 16 progressively nested models were considered starting with baseline model using the mathematics adult learners data from the modeling sample and employing some small fit indexes which are commonly used (AIC, CAIC, RMR, SRMR, RMSEA, 2 / DF among others) [1] to test the fitness of the model. The measures of model fit based on results from analysis of the covariance structure model are presented.
The Sov’reign Shrine of Veiled Melancholy- The Shadow of Consumption on La Be...QUESTJOURNAL
―Youth grows pale and spectre thin and dies‖ – John Keats, (Ode to Nightingale) Tuberculosis was one of the most misunderstood and misrepresented diseases of all times. Hailed as Consumption’s Poster Child, Keats' life, like Beethoven's, served as a pattern tor the Romantic artist. In acute distress and emotional turmoil, in 1819 masterpiece followed masterpiece. In Keats' poems we see a concreteness of description of the object he contemplates. All the senses - tactile gustatory, kinetic, organic, as well as visual and auditory combine to give the total apprehension of his experience. His experiences often accord closely with his personal, life and the disasters he had. Keats is austere in poetry and yet he keeps high colouring and variety of appeal to the senses and the mind. Tuberculosis remains with us today, especially in sub-Saharan Africa and Southeast Asia where more than a million people die of this disease each year. It is worth recalling its history and its association with literature with special reference to John Keats and his poetry- and specially La Belle Dame Sans Merci that shows a dominant forebrooding over man's mortality from it. La Belle becomes a representation of the disease in Keats’s La Belle Dame Sans Merci and reflects the poet’s struggle with tuberculosis.
Recruitment Practices And Staff Performance In Public Universities: A Case St...QUESTJOURNAL
ABSTRACT: Recruitment, as a human resource management function, is one of the activities that impact most critically on the performance of any organization irrespective of its size and location. Public Universities, known to train professionals that exhibit transformative leadership and successfully run blue-chip companies have equally suffered from rampart industrial unrest and human resource malpractices across Kenya. Could it be a unique trend of organizational deviance that could be reflecting absence of a well executed staff recruitment practice? While it is understood and accepted that poor recruitment decisions continue to affect organizational performance and limit goal achievement, knowledge about this aspect in Public Universities remains scanty. The aim of this study was to address this gap by evaluating how recruitment practices affect performance of administrative staff in Public Universities using Masinde Muliro University of Science and Technology, Kenya as a case reference. A cross-sectional survey design was employed while sampling strategy was a blend of multiphase, stratified and purposive sampling. A sample size of 124 out of 1150 comprised mainly of administrative staff was used and that a questionnaire was the principal tool of data collection. Results were analyzed using frequency tables, mean, standard deviation and simple linear regression. The study found that a recruitment policy existed at Masinde Muliro University of Science and Technology, Kenya and that both external and internal recruitment practices were used to recruit employees at the University. However, it was noted that most of the university employees are recruited through media advert, internal advertisement, through transfers and promotions. The results of the regression indicated that recruitment practices are a significant predictor of employee performance, which was explained by 32% of variance and a moderate relationship captured by beta weight value of 0.57. On effectiveness of the recruitment policy, only 30% rated it as effective while 62% were indifferent and 8% rated it ineffective. The study concluded that although a significant relationship between recruitment practices and employee performance existed, it’s effectiveness and therefore positive impact on employee performance depended on employees’ positive perception and rating. It’s recommended that the Universities should avoid biasness in the recruitment process as this will negatively impact on employee performance.
Pesse Na Siri’ Budgetary System: A Historiography Study of Luwu Kingdom in Is...QUESTJOURNAL
ABSTRACT: This study aimed to explore the budgetary system of pesse na siri’ at Luwu kingdom in the Islamic period of 1593 to 1945. Through the historiography method, it showed the base existence of the spiritual sense sensitivity, i.e., pesse (empathy) and siri’ (shame) and Islamic law in budgetary system. In the resources management, it was carried out in four stages, namely planning, implementation, reporting, and evaluation. Operationally, the pesse na siri’ budgetary system on the mobilization mechanism of resources or budget (balanca) through the top down system (i.e., known as balanca pole riwawo) and bottom up system (i.e., known as balanca pole riawa). The top down system was a mobilization resource form from agricultural products of the king’s land (i.e., known in Buginese language as Tanana datue) and the palace logistic. Meanwhile, the bottom up came from the resource offer–i.e., known as makkasiwiyang–mechanism, consisting of makkasiwiyang lili’ (the lower government level), makkasiwiyang ale (personal/individual), and makkasiwiyang reso (labor). One of the Islamic impacts in this system was to direct the budgetary system based on the Shari’a or Islamic law.
Fabrication of Complete Dentures for A Patient with Resorbed Mandibular Anter...QUESTJOURNAL
ABSTRACT: The loose and unstable lower complete denture is one of the most common problems faced by denture patients with highly resorbed ridge. The management of such highly resorbed ridges has always posed a difficulty to the prosthodontist.Obtaining consistent mandibular denture stability has longbeen a challenge for dental profession. The simplest approach often is to extend the denture base adequately for proper use of all available tisues.To achieve this goal impression of the resorbed mandibular ridge is very important. The objective is to develop a physiologic impression with maximum support of both hard and soft tissues.In such cases, an innovative technique of impressionmaking by using a close fitting tray and anelastomeric impression material tomake a proper impression to achieve maximum retentionand stability.This article describes an impression technique used for highly resorbed mandibular ridge using an all green impression technique, to gain maximum retention andstability
Steganographic Technique Using Instant Messaging Conversation DynamicsQUESTJOURNAL
ABSTRACT : Steganography is considered to be not only the science but also the art of hiding secret messages into other innocuous and non-secret media of different types. History of steganography started with the history of civilization and algorithms of data hiding have been constantly developed with the rise of mankind's knowledge. Some of steganographic algorithms are so close connected to the use of digital media, computers and information technology, that those algorithms do not have analogy in non-digital world. It is possible to see the use of hard disk drives (HDD), solid state discs (SSD) and file systems for the purpose of steganography, or steganography in TCP/IP networks as the example. In this paper we are concentrating on such algorithm and we are examining the possibility of the use of dynamics of conversation realized with the use of instant messaging services, which are very popular standalone services or are part of widely used social networks like Facebook. The paper discusses the possibility of hidden message encoding by the use of different parameters of conversation dynamics and introduces new algorithm and its program implementation. The last part of the paper summarizes results of its experimental use.
Simple Obfuscation Tool for Software ProtectionQUESTJOURNAL
ABSTRACT: This paper discusses the issue of source code obfuscation and also the creation of a tool for automatic obfuscation of source code written in C language. The result is a tool that performs both data flow and control flow obfuscation and allows the user to configure the applied transformation algorithm. For easier and better usability the tool provides a graphical user interface, which brings possibility to control and configure transformation process.
Block Hybrid Method for the Solution of General Second Order Ordinary Differe...QUESTJOURNAL
ABSTRACT: We consider the construction of block hybrid method for the solution of general second order ODEs. Derivation of the method was based on the use of hermite polynomial as basis function. The main method and its additional equations are obtained from the same continuous formulation via interpolation and collocation procedures. The method is then applied in block form as simultaneous numerical integrator, this approach eliminates requirement for starting values, and it also reduces computational effort. The stability properties of the method is discussed and the stability region shown. Two numerical experiments were given to illustrate the accuracy and efficiency of the new method.
Modeling – Based Instructional Strategy for Enhancing Problem Solving Ability...QUESTJOURNAL
ABSTRACT: The modeling-based instructional framework accommodates the physics modeling mechanism in which the learner apply the fundamental principles in physics and develop an idealized physics model of the real world situation by means of assumptions and approximations. The present study was intended to find out the effectiveness of Modeling-based instructional strategy for enhancing physics problem solving ability of students at secondary school level. The investigator adopted a quasi-experimental method with two group pretest post-test design for the study. The sample selected for the study consisted of 242 IX standard students from three different schools of Palakkad district. The tools used for collecting the data were the Problem Solving Ability Test in Physics, lesson designs based on Modeling-based instructional strategy and activity oriented method. The findings of the study concluded that the Modeling-based instructional strategy enhanced the problem solving ability of students of secondary school level. And also the strategy scaffolded the formation of mental models of problem representations with in the cognitive structure of the learner.
Exploring the Effectiveness of the Arabic LanguageTeaching Methods in Indones...QUESTJOURNAL
ABSTRACT: The aim of this research work is to identify the effectiveness of the Arabic language teaching methods in Indonesia(National University of Malang for Sample)in terms of making use of Arabic as a medium of communication among the students in the light of the modern approaches in teaching and learning of Arabic language. This research is methodologically characterized as a descriptive, analytical, evaluative and field research work. In order to arrive at the purpose of this study, a questionnaire has been designed and carried out on a specimen from the teachers of the concerned university. Eventually, the study has arrived into a finding that the method used in the university is the Eclectic Method (i.e. Selective Method), except that translation is utilized extensively with it, and it might influentially cause the depreciation of the communication skill of the students, and the major intermediary language for the Arabic language teaching is the Indonesian language. However, its uncontrolled over-usage in the Arabic language teaching procedure may negatively cause the weakness of the students in the listening and speaking skills, since they could not get enough opportunity to practice them during language learning, in addition to the fact that the teachers might be employed as Arabic language teachers on the basis of their high conversance with the grammatical rules of Arabic language and not on their skills in the Arabic language communication medium.
The Teller & The Tales: A Study of The Novels of Amitav GhoshQUESTJOURNAL
ABSTRACT: The paper re-visit the plot and setting of the novels of Amitav Ghosh. The paper has two parts – (i)The Teller & (ii) The Tales. In the first section the text tries to give a brief sketch of the life of Amitav Ghosh to chornicle the life of the visionary commentator of life and the social anthroplogist , the most prominent among the Indian writers of English. In the second part the theme and storyline of the novels were revisted along with characters and narrative technique. The first section has been introduced to give an overview of the prolificness of the author and the second part is the testimony of his logocentricism. The paper aims to present the plot and theme of all Ghosh’s novels
ABSTRACT: The purpose of Larkin as literary artist was to convey his ultimate message that man has to transcend the gross environment for the attainment for final goal. His poem opens with important question which prompt us to scrutinize ourselves. According to Philip Larkin “when you come to talk about once duty as writer then ones can say that his duty is to write for harmony”. In this paper there an urge in Larkin’s poem to attain transcendental knowledge by which everything is known. The meaningful change in environment through literature result from the development of qualities and attitude that foster constructive pattern of human interaction through literature. In an age of highly industrialized and mechanized structure of our society where we have 'given our hearts away a sordid boon' and where all spiritual values have been thrown overboard, the relevance of selecting this topic "Spiritual Quest in Philip Larkin" becomes important. In Larkin's poetry there is invariably, an element of spiritual crises, a note of subsequent struggle to step out of it. This inner conflict to proceed forward in the path of Divine realization lends magnificence to his poetic and spiritual personality.
The Influence of Religiosity on Marital Satisfaction and Stability AmongChris...QUESTJOURNAL
ABSTRACT: Various studies indicate that religious couples are more likely to enjoy stable and happy marriages. They are also less likely to experience conflict and violence, or to divorce perhaps because religion offers couples theologically grounded guidelines on how to handle marital conflicts when they arise. The present qualitative study was conducted using face to face interviews with nine participants in Kenya who had been identified as practicing Christians. The aim of the study was to explore how religiosity impacted the participant’s marital satisfaction. Results indicated that specific attributes related to religiosity like individual and partner prayer, reading the Bible, church attendance, impacted participants and their spouses lives positively and in turn their experiences in marriage. Engaging in religious practices was reported by the participants as eliciting qualities like perseverance, forgiveness and humility which in turn assisted them in keeping their marriages stable and thus resulting in marital satisfaction
The SA0 Group Reservoir ’S Compositive Evaluation In The Central Developing P...QUESTJOURNAL
ABSTRACT: Using the data from logging in a net of high density, the sand core from a airtight well, and the testing data for oil and gas , and then according to the experiment of exploitation, we studied the deposit visage in macroscopical way, the physical characteristics of the reservoir, and the partition of the oil and gas’s border. It is clear that the zero group of Sa’s oil floor is mainly deposit in the foreside of a delta under the background of lake incursion, and the ventro-delta express a character that there were some sandstones which was transited for two times. Make a certain that the oil and gas’s border of zero group in Sa is maybe 600m underground, and demarcated the maximal square is 26.8km2 about this reservoir, and tell us that it lies in the top of the anticline. Of course, this production can be used in the designing of the zero group of Sa’s exploitation
Down the Purgatory of Memories:The Pain of Remembering in M alayalam Naxal Ci...QUESTJOURNAL
ABSTRACT:Keralam, the southern most state in India is known for its cinema and politics. It is in Kerala that Communist Party came to power through Parliamentary election process for the first time in history. The political consciousness nurtured by the Communist movement found its reflections in Malayalam (language being spoken by the people of Keralam) Cinema as well. As a result films produced during the formative years of Malayalam Cinema were characterized by their political content. Having said this it should also be added that since those films are produced within the dominant production system with a view to garner profit they fail to politically stimulate the audience. But the situation had been changed after the Naxalite (radical left movement ideologically inclined to Maoism) uprising in 1969 during which both the feudal/bourgeois value orientations and the alleged degeneration of the Communist Party were challenged by the educated radical youths who fought for an immediate revolution. The state promptly intervened and contained Naxalite uprising with an iron fist. The repressive machinery of the state intervened whenever instances of resistance occurred. The Emergency declared in 1975 exposed the inhuman face of government that unleashed series of tortures against its citizens. The post -1980 political films, otherwise called as Naxalite films, try to recapture the tormenting experience of being political during the time of such mass oppression. Those movies resort to memory to expose the stark experience of the past.Remembering is a way of representing the past with all its nuances as it situates the remembering subject at close proximity with the past. At the same time Naxalite movies explored the possibility of forgetting also to unveil the subtle complexities of individual's relationship with the past. Here I consider two Malayalam films-AmmaAriyan(1986) directed by John Abraham and Margam (2003) directed by Rajeev Vijayaraghavan- to investigate how memory and oblivion are meticulously used by the filmic narratives to politicize a society already under the grip of political amnesia.
Professional Competences: An Integrative Approach for Defining The Training C...QUESTJOURNAL
ABSTRACT: This paper offers an integrative proposal for Business Administrationcurricular programs. For that purpose, we have carried out a survey with teachers from upper Business Administration courses so as to select a group of key competences for the contemporary Administrator, which has allowed us to elaborate an integrative proposal of curricular program for the Business Administration scholars in Brazil. As a qualitative research, it consists of a multiple case study with empirical approach and a triangular analysis based on Moraes (2014).Its main objective has been to analyze the curricular programs from five higher education institutions in the state of Rio Grande do Sul and two other foreign institutions in South America. At first, we have asked ourselves the following question: How to adapt the Business Administration curricular program to the contemporary needs as far as the vocational training competences of Administrators are concerned?In order to answer it, we have analyzed the National Curriculum Guidelines (DCN) and the Political-Educational Projects of Business Administration Courses (PPC/CSA). After that, we have compared the Curricular Components (CC) of the Higher Education Institutions (HEIs) under analysis. After performing the triangular textual analysis of the DCN, PPC/CSA and CC of all HEIs under study, we have carried out a survey with 35 teachers from Business Administration upper courses through a computerized online questionnaire.We have sent a Survey Monkey link for a total of 40 teachers, however, only 35 answered it (87.5%); we have considered 100% valid answers. Previously, based on the doctrine of competences and curriculum according to the most renowned authors – suchas Vygostsky, Freire, Sacristán, Piaget, Saviani, Bloom, Libâneo (curriculum); Fleury & Fleury, Zarifian, Perrenoud, Lisboa (competences), among others – wehave concluded that implementing the integrative proposal will providemore well-prepared graduates from the Business Administration course right to the competitive and globalized labor market.
Resisting Total Marginality: Understanding African-American College Students’...QUESTJOURNAL
ABSTRACT: This article explores collegiate Black identity development when African American students attend predominantly White institutions (PWIs) in the United States, considering the overall impact of total marginality. The term “total marginality” is used to describe the myriad, chronic, and often inescapable ways that African American college students attending PWIs are marginalized in a college setting. The focus of this paper is the impact of total marginality on Black identity development for those African American collegians who successfully complete their university studies at a PWI.
Alternative dispute resolution and civil litigation barriers to access to jus...QUESTJOURNAL
ABSTRACT: Civil law is the predominate system of law in the world. Civil law as a legal system is often compared with common law. The main difference that is usually drawn between the two system is that common law drawn abstract rules from specific cases, whereas civil law with abstract rules which judges must then apply to the various cases before them. Civil law has its roots in Roman law, Common law and the Enlightenment, alongside influence from other religious laws such as Islamic Law. The legal system in many civil law countries are based around one or several codes of law which set out the main principles that guide the law. On the other hand, Criminal Law as offences and prescribes punishment for them. It not only precludes or prevents crimes but also punish the offender. It is necessary for the maintenance of law, order and peace within state. In criminal cases, it is the state which initiates proceeding against the offender. Laws relating to the Civil Proceeding as the Code of Civil Procedure 1908; the Civil Courts Act 1887; the Suit Valuation Act 1887; the Limitation Act 1908; the Registration Act 1908; & the Specific Relief Act 1877.
The digital marketing industry is changing faster than ever and those who don’t adapt with the times are losing market share. Where should marketers be focusing their efforts? What strategies are the experts seeing get the best results? Get up-to-speed with the latest industry insights, trends and predictions for the future in this panel discussion with some leading digital marketing experts.
Digital marketing is the art and science of promoting products or services using digital channels to reach and engage with potential customers. It encompasses a wide range of online tactics and strategies aimed at increasing brand visibility, driving website traffic, generating leads, and ultimately, converting those leads into customers.
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SEO as the Backbone of Digital MarketingFelipe Bazon
In this talk Felipe Bazon will share how him and his team at Hedgehog Digital share our journey of making C-Levels alike, specially CMOS realize that SEO is the backbone of digital marketing by showing how SEO can contribute to brand awareness, reputation and authority and above all how to use SEO to create more robust global marketing strategies.
Short video marketing has sweeped the nation and is the fastest way to build an online brand on social media in 2024. In this session you will learn:- What is short video marketing- Which platforms work best for your business- Content strategies that are on brand for your business- How to sell organically without paying for ads.
The digital marketing industry is changing faster than ever and those who don’t adapt with the times are losing market share. Where should marketers be focusing their efforts? What strategies are the experts seeing get the best results? Get up-to-speed with the latest industry insights, trends and predictions for the future in this panel discussion with some leading digital marketing experts.
Unleash the power of UK SEO with Brand Highlighters! Our guide delves into the unique search landscape of Britain, equipping you with targeted strategies to dominate UK search engine results. Discover local SEO tactics, keyword magic for UK audiences, and mobile optimization secrets. Get your website seen by the right people and propel your brand to the top of UK searches.
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In this presentation, Danny Leibrandt explains the impact of AI on SEO and what Google has been doing about it. Learn how to take your SEO game to the next level and win over Google with his new strategy anyone can use. Get actionable steps to rank your name, your business, and your clients on Google - the right way.
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Monthly Social Media News Update May 2024Andy Lambert
TL;DR. These are the three themes that stood out to us over the course of last month.
1️⃣ Social media is becoming increasingly significant for brand discovery. Marketers are now understanding the impact of social and budgets are shifting accordingly.
2️⃣ Instagram’s new algorithm and latest guidance will help us maintain organic growth. Instagram continues to evolve, but Reels remains the most crucial tool for growth.
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When most people in the industry talk about online or digital reputation management, what they're really saying is Google search and PPC. And it's usually reactive, left dealing with the aftermath of negative information published somewhere online. That's outdated. It leaves executives, organizations and other high-profile individuals at a high risk of a digital reputation attack that spans channels and tactics. But the tools needed to safeguard against an attack are more cybersecurity-oriented than most marketing and communications professionals can manage. Business leaders Leaders grasp the importance; 83% of executives place reputation in their top five areas of risk, yet only 23% are confident in their ability to address it. To succeed in 2024 and beyond, you need to turn online reputation on its axis and think like an attacker.\
Key Takeaways:
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10 Video Ideas Any Business Can Make RIGHT NOW!
You'll never draw a blank again on what kind of video to make for your business. Go beyond the basic categories and truly reimagine a brand new advanced way to brainstorm video content creation. During this masterclass you'll be challenged to think creatively and outside of the box and view your videos through lenses you may have never thought of previously. It's guaranteed that you'll leave with more than 10 video ideas, but I like to under-promise and over-deliver. Don't miss this session.
Key Takeaways:
How to use the Video Matrix
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5 big bets to drive growth in 2024 without one additional marketing dollar AND how to adapt to the biggest shifting eCommerce trend- AI.
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Vladimir Mulhem has over 20 years of experience in commercialising cutting edge creative technology across construction, marketing and retail.
Previously the founder and Tech and Innovation Director of Creative Content Works working with the likes of Next, John Lewis and JD Sport, he now helps retailers, brands and agencies solve challenges of applying the emerging technologies 3D, AR, VR and Gen AI to real-world problems.
In this webinar, Vladimir will be covering the following topics:
Applications of 3D and AR in Digital Commerce,
Benefits of 3D and AR,
Tools to create, manage and publish 3D and AR in Digital Commerce.
2. Influence Of Interest Rate, Location, Services And Credit Procedures To Decisions Credit...
*Corresponding Author: Ilham Labbase 1
64 | Page
Faculty Of Economics Universit As Muslim Indonesia
a. Kotler in Tjiptono (2005:16) stated that the service as a form of product can was defined as "any
act or conduct which may be offered by one party to the other party that is essentially intangible
(physical intangible) and does not produce ownership of something. Its products can and can also
not tied to a physical product..
b. Lamb et al (2001:482) defined the service as a result of efforts the use of humans and machines
against a number of people or objects. Services include an Act, a performance or an effort that
could not physically processed.
There are a few unique characteristics that distinguish services with goods (Tjiptono, 2005:18),
namely:
a. the Intangibility of the service i.e. is an Act, action, experience, process, performance
(performance) or effort that caused the services can not be seen, felt, kissed, heard, or touched
before being purchased or consumed.
b. Inseparability. Goods are usually produced, sold and then consumed. While the services are
generally sold in advance, and then manufactured and consumed at the same time and place.
c. Variability/Heterogencity/inconsistensy i.e. services are variable because it is non-variable output,
meaning standardied formed, quality and kind of depending on who, when, and where the services
are produced.
d. Perishability. This means that services are not durable and cannot be saved. Hotel rooms not
inhabited or the phone line capacity is not utilized will be passed or lost it when it could not be
saved.
Understanding Customer's Decision in Taking Credit is a decision process to take credit in a bank
(Philip Kotler, 2002: 207), according to (Griffin, 2002) Customer's decision in Taking Credit is an act of
choosing an alternative from a series of alternatives.
According Setiadi 2005: 11 "The purchase decision of consumers is strongly influenced by personal
and psychological social needs of consumers. It is also influenced by some marketing stimuli such as elements
in marketing mix and other stimuli such as economy, technology, politics and culture are mostly marketable
factors, but must be taken into account. Things that may affect credit decision making include the interest rates
of banks, services, location of the bank, and credit procedures. According to Schiffman, Kanuk (2004, on
Kuncoro & Adithya, 2010) The Customer's Decision in Taking Credit is the election of two or more alternative
credit decision choices, meaning that one can make decisions, there must be other alternatives.
According Sugiyono, (2010: 59), research variables can be divided into two, namely:
1. Independent / Free variable is a variable that influences or causes the change or the incidence of the
dependent variable. The independent variables in this research are interest rate, service, location and credit
procedure.
2. Dependent / Boundary Variables are the variables that are influenced or which become due to the existence
of independent variables. In this study which is used as a dependent variable is the decision of credit
lending customers at Bank Sulselbar Main Branch Makassar.
Data collection methods used in this study are as follows:
1. Questionnaires are data collection through a list of questions or a questionnaire distributed to respondents.
2. Observation is a technique of collecting data through direct observation of daily activities related to the
employee.
3. Documentation is data collection techniques by studying the documents, reports and information relating to
research.
4. Interview is data collection techniques to conduct interviews to obtain information from respondents
relevant to the research.
The population is a set of units that are usually in the form of people, objects, transactions or events
in which we are interested to learn it (Kuncoro, 2001:22). Research on the face of a limited population and
homogeneous, sometimes do not perform data collection in the population. Research can take up most of the
population are considered to be representative of the population. It is based on a logical, considerations such as
practicality, the limitations of cost, time, and effort (Riduwan, 2008:56). The population referred to in this
research is the customer of PT Bank Sulselbar Branch of Makassar which registered as a customer who submits
credit.
Multiple regression analysis is used by the researcher, if the researcher intends to predict how the
condition (up and down) dependent variable, if two or more independent variables as predictor factor
manipulated (up and down value) (Sugiyono, 2010: 277). In knowing the relationship and the influence of each
variable derived quality of service with customer satisfaction used multiple regression analysis techniques.
Regression analysis using multiple regression equation formula as quoted in Sugiyono (2010: 277), namely:
3. Influence Of Interest Rate, Location, Services And Credit Procedures To Decisions Credit...
*Corresponding Author: Ilham Labbase 1
65 | Page
Faculty Of Economics Universit As Muslim Indonesia
Where : Y. = Decision of taking credit
X 1 = Interest Rate
X 2 = Location
X 3 = Service
X 4 = Procedure
b 0 = Constants
b 1, b 2, b 3, b 4 = The estimated regression coefficients (parameters)
e i = Factor error (error)
II. RESEARCH RESULT AND DISCUSSION
Validity test is done by correlating the score of each item with the total score of each attribute.
Validity test is used to see the accuracy and accuracy of a research instrument in its measuring function
measuring statement items made. The formula used is a validity test of Pearson Product Moment.
Value Corrected Item Total Correlation (r count) Decision-making variable loans are between 0.410 to
0.548. This shows the value of r arithmetic> r table 0.250 and indicates that all the items on the questionnaire of
the decision of credit taking are valid or able to reveal something that will be measured by the questionnaire, so
that it can be used for further analysis.
Value Corrected Item Total Correlation (r count) interest rates are between 0.379 to 0.500, This
indicates that the value of r count> r table .250 and showed that all of the questions on the questionnaire The
interest rate is valid.
Corrected Item Total Correlation (r arithmetic) location is between 0.425 - 0,516. This shows the
value of r arithmetic> r table 0.250 and indicates that all the questions in the questionnaire of the location are
valid or able to express something that the questionnaire will measure, so that it can be used to analyze next.
Value Corrected Item Total Correlation (r count) service variable is between 0.430 to 0.582. This
shows the value of r arithmetic> r table 0.250 and indicates that all the questions in the questionnaire are valid
or able to express something that the questionnaire will measure, so that it can be used for further analysis.
Value Corrected Item Total Correlation (r count) variable credit procedure is between 0.348 to 0.555.
This shows the value of r arithmetic> r table 0.250 and indicates that all the questions in the questionnaire are
valid or able to express something that the questionnaire will measure, so that it can be used for further analysis.
Reliability test is performed to know the stability and consistency if re-measured with the same subject.
Reliability measurement is done by using Cronbach's alpha (Cronbach alpha). From the test results are
analyzed by comparing the R table can be searched by interpolating the number of questions with the coefficient
of reliability. The reliability test results of each variable used in this study, can be seen in the following table.
Research Instrument Reability Test Results
Variable
Cronbach's alpha r table
Status
Decision on Taking Credit
Interest Rate Tingat
Location
Pelayana
Credit Procedures
0.7 05
0.7 23
0.7 3 0
0.7 21
0.7 2 9
0.60
0.60
0.60
0.60
0.60
Reliable
Reliable
Reliable
Reliable
Reliable
Source: SPSS output is processed, 2016
From the data processing on the obtained test reliability coefficient of reliability (Cronbach's Alpha)
for the variable credit retrieval Decree 0.705, the variable interest rate of 0.723, 0.730 location variables,
variables and variable services 0.721 0.729 credit procedures. A variable is said reabel if the value of
Cronbach's Alpha> 0.60 (Sunyoto, 2011: 68). By comparing the value of the coefficient of reliability with r table
value of 0.60 indicates that each variable research is realiabel for reliability coefficient value of each variable is
greater than the cumulative r table.
Hypothesis testing
1. Hypothesis Testing Simultaneously
This test aims to see the effect of interest rate, location, service, and credit procedure on Bank Sulselbar
Main Branch Makassar by looking at the value of F-arithmetic. The test results simultaneously, can be seen in
the following table. Simultaneous Testing (F-Test)
Model Sum of Squares Df Mean
Square
F Sig.
4. Influence Of Interest Rate, Location, Services And Credit Procedures To Decisions Credit...
*Corresponding Author: Ilham Labbase 1
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Faculty Of Economics Universit As Muslim Indonesia
1 Regression 10.775 4 2.694 30.278 .000 a
Residual 6,673 75 .089
Total 17448 79
Source: SPSS Outputs Processed, 2014
The data in the above table shows that the F-count value obtained is 30.278, while the F-table at the
95% confidence interval, or margin of error (α = 0.05) will get the number 2,694. Thus, the value of F-
arithmetic> F-table or 30.278> 2.694 means, the independent variable will have an effect simultaneously with
the dependent variable. High significance for 0,000 less than the alpha level of 0.05. It can be concluded that
simultaneously variable of interest rate, location, service, and credit procedure have a significant and positive
effect to customer decision in crediting at Bank Sulselbar Main Branch of Makassar.
2.Hypothesis Testing Partially
Hypothesis testing is used partially to see the effect of variable interest rates, location, service, and
credit procedures individually or each variable against the decision of customers in credit taking at Bank
Sulselbar Main Branch Makassar. Test results can be seen from the value t-count.
Partial Testing (t-Test)
Independent Variables
Coefficient
Regression (B)
T-count Sig
Interest rate (X1)
Locations (X2)
Services (X3)
Credit procedure (X4)
0.406
0.255
0.098
0.132
3,275
2,810
0.800
1,123
0.002
0.006
0.426
0.265
Konsatanta (b 0) 0.425
Source: SPSS output that is processed, 201 6
Based on the partial test as shown in the table above shows that the interest rate, location, service and
credit procedures individually have a significant and positive impact on customer decisions in credit taking at
Bank Sulselbar Main Branch Makassar. It can be seen from the value of t-arithmet obtained greater than t-table
or t-count is smaller than t-table. The analysis also showed the four variables that effect, variable interest rates
have a dominant influence on the customer's decision-making loans at Bank Sulselbar Main Branch Makassar,
this can be seen from the t value interest rate 3.275 greater than the value of the t locations 2,810 and t value of
1,123 credit procedure is greater than the value of 0,800 t of service.
Furthermore, in table 20, it can be seen that the results of multiple linear regression equation of this research
model are as follows:
Y = 0,425 + 0,406 X1 + 0,255 X2 + 0,098 X3 + 0,132 X4
Based On The Multiple Linear Regression Equation Above, It Can Be Interpreted As Follows:
a. Constants (b 0) obtained from the value 0.425 which states that the amount of the customer's decision-
making Sulselbar credit at Bank Main Branch Makassar depending on the interest rate, location, service
and credit procedures that is constant.
b. b 1 = 0.406, has a positive meaning indicating that interest rates positive and significant impact on the
customer's decision-making Sulselbar credit at Bank Main Branch Makassar, the coefficient b 1 is
significant because the value of p = 0.002 is less than 0.05. It can be explained that if there is an increase in
variable interest rates and other variables constant, it will increase the number of customer decisions in
credit taking at Bank Sulselbar Main Branch Makassar.
c. b 2 = 0.255, having a positive sign indicating that the location of positive and significant impact on
customer decision making Sulselbar credit at Bank Main Branch Makassar. Coefficients b 2 is significant
because the value of p = 0.006, less than 0.05. It can be explained if there is an increase in location variable
and other independent variables constant, it can improve customer decision in credit taking at Bank
Sulselbar Main Branch of Makassar.
d. b 3 = 0.098, having a positive sign indicating that service would be a positive influence on the customer's
decision-making Sulselbar credit at Bank Main Branch Makassar. The coefficient b 3 is not significant
because the value of p = 0.426 greater than 0.05. It can be explained that if there is an increase of palayanan
variable and other independent variable constant, it will not affect the increase of customer decision in
crediting at Bank Sulselbar Main Branch of Makassar.
e. b 4 = 0.132, having a positive sign indicating that credit procedures will be a positive influence on the
customer's decision-making Sulselbar credit at Bank Main Branch Makassar. The coefficient b 4 is not
5. Influence Of Interest Rate, Location, Services And Credit Procedures To Decisions Credit...
*Corresponding Author: Ilham Labbase 1
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Faculty Of Economics Universit As Muslim Indonesia
significant because the value of p = 0.230 greater than 0.05. This may explain that if there is an increase in
variable credit procedures and other constant independent variables, then these variables will not affect the
decision of customers in credit taking at Bank Sulselbar Main Branch Makassar.
The amount of contribution given from variable of interest rate, location, service and credit procedure
have an effect on to decision of customer in crediting at Bank Sulselbar Main Branch of Makassar and can be
seen from coefficient of determination. Acquisition value of determination (R 2)
can be seen in the table below:
Results of testing the coefficient of determination (R 2)
Model R R Square Adjusted R Square
1 0.786 a
0.618 0.597
Source: SPSS output is processed, 2014
Based on the result of determination above table, it can be explained that the magnitude of the
coefficient of determination (R 2)
is 0.618. The coefficient of determination states that the variable of interest
rate, location, service and credit procedure can only explain or contribute to variation of customer decision
making in crediting at Bank Sulselbar Main Branch Makassar of 61.8%. While the rest of 39.2% influenced by
other variables that are not involved in this study.
This research is also supported by previous research conducted by Banjarnahor (2006) conducted a
research entitled Analysis of Factors Affecting Decision on Credit Demand at PT Bank Sumut Tarutung Branch.
The purpose of this research is to know how big influence of credit interest rate factor, credit amount, time
period and customer service in influencing and determining decision of credit demand at PT Bank Sumut
Tarutung Branch. The analysis method used is multiple linear regression analysis. The result of the research is
credit interest rate factor, credit amount, time period and customer service influence to credit demand decision.
The dominant factor influencing the loan demand decision at PT Bank Sumut Tarutung Branch is the lending
rate factor.
III. DISCUSSION
Influence of Interest Rate, Location, Service and Credit Procedure Influence on Customer Decision In
Credit Taking at Bank Sulselbar Main Branch of Makassar.
The discussion on the effect of interest rate, location, service and credit procedure affect the decision of
customers in crediting at Bank Sulselbar Main Branch of Makassar, each of which can be described as follows:
1. Influence of Interest Rate (X 1) The customer's decision-making Sulselbar credit at Bank Main
Branch Makassar
From the data analysis using SPSS 21 program indicates that variable of interest rate with r partial
0,406 with significant 0,002 which means that interest rate have positive and significant influence to customer
decision in crediting at Bank Sulselbar Main Branch of Makassar. This indicates that the Government policy
greatly influence the determination of the maximum limit and minimum interest rate either deposit or loan and
with the existence of Competition is the main factor in determining interest rate at Bank Sulselbar Main Branch
of Makassar.
According to Didy (2000: 129) some things that affect the interest rate is the interaction between the
supply of savings available to lend (Loanable funds) to these funds to be invested, i nteraksi between the
demand for these funds to be invested, t ingkat prevailing interest rates, k eseimbangan savings and productivity,
k eseimbangan supply and demand, p engaruh international interest rates and exchange rate policies in force.
Interest is a reward for borrowing money. The payoff is a compensation to the lender for the future
benefits of the loan if invested.
In line with previous research results Banjarnahor (2006) conducted a study with the title Analysis
Factors Affecting Decision on Credit Demand PT Bank Sumut Tarutung Branch. The result of the research is
credit interest rate factor, credit amount, time period and customer service influence to credit demand decision.
The dominant factor influencing the loan demand decision at PT Bank Sumut Tarutung Branch is the lending
rate factor.
2. Effect of location (X 2) Against Credit Decision Making
From result of data analysis using SPSS program version 21 indicate that location variable with r
0,255 with significant level 0,006 meaning that location have influence to customer decision in credit taking at
Bank Sulselbar Main Branch of Makassar. It can be concluded that location variables in credit decision making
6. Influence Of Interest Rate, Location, Services And Credit Procedures To Decisions Credit...
*Corresponding Author: Ilham Labbase 1
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Faculty Of Economics Universit As Muslim Indonesia
can be influenced by access factor which is easy to pass or easy to reach public transportation and expansion
that available in wide enough place for business development in the future is a factor supporting decision of
customer in taking credit at Bank Sulselbar Main Branch of Makassar.
Location is very important in the business world. Because Location determines the place where the
bank performs bank duties. Strategic location or a good opportunity to provide customers to spend a small fee.
Location is very important in the business world. Because Location determines the place where the bank
performs bank duties. According to Kasmir (2005: 163) the location of the bank is where the sale of banking
products and banking control centers. Determining the location of a bank branch is one of the most important
policies. Banks located in strategic locations greatly facilitate customers in dealing with banks.
According to the results of previous studies conducted by Dedi Wahyu Nugroho (2012) The
Influence Of Location, Service And Procedure Of Credit To Customer Decision In Taking Credit In PD. BPR
Bank Boyolali. The result of the research shows that there is a significant influence of Location on Customer's
Decision in Taking Credit.
3. Effect of Service (X 3) Decision Against Credit Decision
Service can be interpreted as an action someone against others through the presentation of credit in
accordance with what is needed and desired customers.
From result of data analysis by using Program SPSS version 21,0 indicate that service variable with r
partial 0,98 with significance 0,426 which mean that service very have positive influence but not significant to
decision of credit taking. It can be drawn a conclusion that should have been in the presence of indicators of
Empathy gives genuine concern and individual or personal given to customers with such understanding
keingginan customers and Liabillity or reliability of the ability of banks to provide services as promised are
accurate and reliable but it This has not been implemented properly so the result can not affect the decision of
the customer in taking. So the service variable has a positive influence but not significant to the increasing
number of customer decisions in credit credit taking at Bank Sulselbar Main Branch Makassar.
Care is required in every small and large banks, because good service is very important and useful for
the customers. If customers are satisfied in the Service of the bank, the customer took the initiative to take back
the credit in the bank.
According to (Boediono, 1999: 11) is a customer service (customer service) is a conscious effort or
process and planned by the organization or business entity credit to win the competition through the provision /
service agreements for customers, in order to achieve optimal customer satisfaction.
Supported by the results of previous research Fitria, 2010. Title "The Influence of Interest Rate,
Location, Service and Procedure Credit to Customer Decision In Credit Taking In PD BPR BKK Semarang
Central Banyumanik Branch" result of research found positive influence not significant between service variable
to decision of customer in taking credit (Y) where can Seen from regression coefficient value = 0,837 and
proved by hypothesis test tcount (5,519)> ttabel (1,661).
4. Effect of Credit Procedures (X 4) The Credit Decision Making
Effect of Credit Procedures to Customer Decisions in Taking Credit. Credit procedures are spending
money on credit or gradually at the time of the return on the bank. Credit procedure that is fast, easy to pick it
up, it will affect the interest of potential customers in taking credit in the bank, however, Credit procedure long
and hard will affect the interest of prospective Customers in the Credit Taking on the bank. From result of data
analysis by using Program of SPSS version 21 indicate that variable of credit procedure with r partial 0,132,
referring to the value of significance value 0,265 more than 0,05 hence can be concluded that relationship
happened between credit procedure and decision of credit taking positive effect not significant, Thus the
proposed hypothesis is rejected, but the variable credit procedure gives a positive effect on the improvement of
customer decisions in credit taking at Bank Sulselbar Main Branch Makassar.
Credit Procedures can be interpreted as a bank's effort to reduce the risk of lending, which begins with
the stages of crediting planning, followed by credit decision making process (initiative, analysis and evaluation,
negotiation, recommendation and credit decision), credit preparation, documentation and Credit administration,
approval of loan disbursement and supervision and credit development (Mudrajad Kuncoro, 2002: 245).
Supported by research of Adil Abdat 2012. With Title "Influence of Credit Procedure, Interest Rate and Service
Against Decision Of Credit Takenown In Cooperative Savings and Loans Core Ungaran Fund". The results
showed that variable procedure of credit, interest rate and The service has a steering towards the decision of
taking credit by Customer. From the calculation results show the value of determination (Adj.R 2
) Of 0.323.
The value shows that the three independent variables in this study have contributed to the dependent variable of
32.3%, where the rest of 67.7% is explained by other factors outside this study. This indicates that the better the
assessment of credit procedures, interest rates and services will also be followed by an increase in customer loan
decision at the Ungaran Fund Cash Savings and Loans Cooperative.
7. Influence Of Interest Rate, Location, Services And Credit Procedures To Decisions Credit...
*Corresponding Author: Ilham Labbase 1
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