Motivation's influence on credit decisions: unveiling the moderating effect of brand awareness in PT Bank Syariah Indonesia Tebing Tinggi branch
The number of MSMEs in Indonesia is very large, but the portion of credit financing to MSMEs is still very small when compared to the percentage of the number of MSMEs. Therefore, this study aims to analyze the effect of MSME customer motivation on credit decisions at PT Bank Syariah Indonesia throu...
Saved in:
| Main Authors: | , , , |
|---|---|
| Format: | Article |
| Language: | English |
| Published: |
Indonesian Institute for Counseling, Education and Therapy (IICET)
2024-06-01
|
| Series: | JPPI (Jurnal Penelitian Pendidikan Indonesia) |
| Subjects: | |
| Online Access: | https://jurnal.iicet.org/index.php/jppi/article/view/3881 |
| Tags: |
Add Tag
No Tags, Be the first to tag this record!
|
| _version_ | 1832584562104860672 |
|---|---|
| author | Sarwoto Sarwoto Cia Cai Cen Rika Surianto Zalukhu Sri Murni |
| author_facet | Sarwoto Sarwoto Cia Cai Cen Rika Surianto Zalukhu Sri Murni |
| author_sort | Sarwoto Sarwoto |
| collection | DOAJ |
| description | The number of MSMEs in Indonesia is very large, but the portion of credit financing to MSMEs is still very small when compared to the percentage of the number of MSMEs. Therefore, this study aims to analyze the effect of MSME customer motivation on credit decisions at PT Bank Syariah Indonesia through brand awareness as a moderating variable. This research is a quantitative descriptive study conducted on 250 MSME customers of PT Bank Syariah Indonesia, who have credit with current status and are willing to be respondents. Sampling method with accidental sampling. This study uses primary data collected by questionnaires distributed to respondents. Respondents' perceptions were measured using a Likert scale. Research with SEM model, data processing with PLS 3.0 smart software. The results showed that motivation and brand awareness has a significant effect on MSME customer credit decisions at PT Bank Syariah Indonesia Tebing Tinggi branch. Brand awareness can be a moderating variable in the influence of motivation on credit decisions of MSME customers of PT Bank Syariah Indonesia Tebing Tinggi Branch. The implication of this research is targeting the policy of increasing Islamic bank credit financing that is oriented towards brand awareness. |
| format | Article |
| id | doaj-art-0142d6f2e95b44f9ab6fa4172be1f294 |
| institution | Kabale University |
| issn | 2477-8524 2502-8103 |
| language | English |
| publishDate | 2024-06-01 |
| publisher | Indonesian Institute for Counseling, Education and Therapy (IICET) |
| record_format | Article |
| series | JPPI (Jurnal Penelitian Pendidikan Indonesia) |
| spelling | doaj-art-0142d6f2e95b44f9ab6fa4172be1f2942025-01-27T12:35:03ZengIndonesian Institute for Counseling, Education and Therapy (IICET)JPPI (Jurnal Penelitian Pendidikan Indonesia)2477-85242502-81032024-06-0110250651510.29210/0202438811958Motivation's influence on credit decisions: unveiling the moderating effect of brand awareness in PT Bank Syariah Indonesia Tebing Tinggi branchSarwoto Sarwoto0Cia Cai Cen1Rika Surianto Zalukhu2Sri Murni3Sekolah Tinggi Ilmu Ekonomi Bina KaryaSekolah Tinggi Ilmu Ekonomi Bina KaryaSekolah Tinggi Ilmu Ekonomi Bina KaryaPoliteknik Negeri BatamThe number of MSMEs in Indonesia is very large, but the portion of credit financing to MSMEs is still very small when compared to the percentage of the number of MSMEs. Therefore, this study aims to analyze the effect of MSME customer motivation on credit decisions at PT Bank Syariah Indonesia through brand awareness as a moderating variable. This research is a quantitative descriptive study conducted on 250 MSME customers of PT Bank Syariah Indonesia, who have credit with current status and are willing to be respondents. Sampling method with accidental sampling. This study uses primary data collected by questionnaires distributed to respondents. Respondents' perceptions were measured using a Likert scale. Research with SEM model, data processing with PLS 3.0 smart software. The results showed that motivation and brand awareness has a significant effect on MSME customer credit decisions at PT Bank Syariah Indonesia Tebing Tinggi branch. Brand awareness can be a moderating variable in the influence of motivation on credit decisions of MSME customers of PT Bank Syariah Indonesia Tebing Tinggi Branch. The implication of this research is targeting the policy of increasing Islamic bank credit financing that is oriented towards brand awareness.https://jurnal.iicet.org/index.php/jppi/article/view/3881credit decisionsbrand awarenessmotivation |
| spellingShingle | Sarwoto Sarwoto Cia Cai Cen Rika Surianto Zalukhu Sri Murni Motivation's influence on credit decisions: unveiling the moderating effect of brand awareness in PT Bank Syariah Indonesia Tebing Tinggi branch JPPI (Jurnal Penelitian Pendidikan Indonesia) credit decisions brand awareness motivation |
| title | Motivation's influence on credit decisions: unveiling the moderating effect of brand awareness in PT Bank Syariah Indonesia Tebing Tinggi branch |
| title_full | Motivation's influence on credit decisions: unveiling the moderating effect of brand awareness in PT Bank Syariah Indonesia Tebing Tinggi branch |
| title_fullStr | Motivation's influence on credit decisions: unveiling the moderating effect of brand awareness in PT Bank Syariah Indonesia Tebing Tinggi branch |
| title_full_unstemmed | Motivation's influence on credit decisions: unveiling the moderating effect of brand awareness in PT Bank Syariah Indonesia Tebing Tinggi branch |
| title_short | Motivation's influence on credit decisions: unveiling the moderating effect of brand awareness in PT Bank Syariah Indonesia Tebing Tinggi branch |
| title_sort | motivation s influence on credit decisions unveiling the moderating effect of brand awareness in pt bank syariah indonesia tebing tinggi branch |
| topic | credit decisions brand awareness motivation |
| url | https://jurnal.iicet.org/index.php/jppi/article/view/3881 |
| work_keys_str_mv | AT sarwotosarwoto motivationsinfluenceoncreditdecisionsunveilingthemoderatingeffectofbrandawarenessinptbanksyariahindonesiatebingtinggibranch AT ciacaicen motivationsinfluenceoncreditdecisionsunveilingthemoderatingeffectofbrandawarenessinptbanksyariahindonesiatebingtinggibranch AT rikasuriantozalukhu motivationsinfluenceoncreditdecisionsunveilingthemoderatingeffectofbrandawarenessinptbanksyariahindonesiatebingtinggibranch AT srimurni motivationsinfluenceoncreditdecisionsunveilingthemoderatingeffectofbrandawarenessinptbanksyariahindonesiatebingtinggibranch |