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This study aims to 1) Analyze the effect of word of mouth on credit decision making at the institution of village credit "marto nugroho" rowomarto village patianrowo sub-district nganjuk regency, 2) Analyze the influence of location on credit decision making at the village credit institution "marto nugroho" rowomarto village patianrowo district nganjuk, 3) analyze word of mouth and location for decision to take credit at the village credit institution "marto nugroho" rowomarto village, patianrowo sub-district nganjuk district. The population in this study were all active and non-active rural credit institutions "marto nugroho which numbered 150 people. The number of samples used was 60 respondents with sample determination techniques using Slovin formula. retrieval of data using questionnaires. Data analysis techniques using multiple linear regression analysis with t test to analyze the influence of partial and F test to analyze simultaneous influence. Based on the analysis it was found that the significant level of the F test was 0,000 (p 0.05). Word of mouth variables are more dominant because the beta value is greater than the location variable which is 0.466

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PENGARUH WORD OF MOUTH DAN LOKASI TERHADAP KEPUTUSAN MENGAMBIL KREDIT DI LEMBAGA PERKREDITAN DESA “MARTO NUGROHO” DESA ROWOMARTO KECAMATAN PATIANROWO KABUPATEN NGANJUK