Open AccessANALYSIS OF FACTORS AFFECTING THE DEMAND FOR MORTGAGE CREDIT IN PT. X
Author(s) -
Syamsu Dairatil Irvan,
Dewi Nusraningrum
Publication year - 2021
Publication title -
dinasti international journal of management science
Language(s) - English
Resource type - Journals
eISSN - 2686-522X
pISSN - 2686-5211
DOI - 10.31933/dijms.v2i6.1010
Subject(s) - business , financial institution , credit history , service (business) , credit reference , credit enhancement , financial system , finance , credit risk , marketing
PT X is a financial institution that distributes credit, one of which is mortgage credit or home ownership credit (KPR). The realization of mortgage lending at PT X from 2017 to 2020 has not been able to reach the target due to lack of credit demand. This study analyzes the interest rate, service, procedure, term, guarantee, and technology factors whether they have a significant influence on credit demand. From this study, the results and conclusions of the service factor have a significant influence on credit demand. Factors other than service have an influence on credit demand but not significantly.