{"title":"良性信用机会分析个案研究:场地典当","authors":"Fahmi Agusman, Joan Marta","doi":"10.24036/jkep.v5i1.14424","DOIUrl":null,"url":null,"abstract":"The purpose of this research to find out how the influence of Customer Characteristics, Business Characteristics, and Credit Characteristics on Current Loans at PT. Pegadaian Area Padang. The factors used are customer characteristics (gender, age, education, marital status, and number of dependents), business characteristics (business field, ownership of business premises, length of business, and income), and credit characteristics (loan value, product, and installment ratio). This research uses logistic regression analysis method. The variables of trading business, loan value, Flexi product, and installment ratio have a significant influence on the chances of a customer's current credit at PT. Pegadaian Area Padang. Meanwhile, the variables of gender, age, education, marital status, number of dependents, ownership of place of business, length of business, and income do not have a significant influence on the chances of a customer's current credit at PT. Pegadaian Area Padang.","PeriodicalId":30940,"journal":{"name":"Jurnal Ekonomi Pembangunan Kajian Masalah Ekonomi dan Pembangunan","volume":"75 1","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2023-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Analisis Peluang Kredit Lancar Studi Kasus: PT. Pegadaian Area Padang\",\"authors\":\"Fahmi Agusman, Joan Marta\",\"doi\":\"10.24036/jkep.v5i1.14424\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"The purpose of this research to find out how the influence of Customer Characteristics, Business Characteristics, and Credit Characteristics on Current Loans at PT. Pegadaian Area Padang. The factors used are customer characteristics (gender, age, education, marital status, and number of dependents), business characteristics (business field, ownership of business premises, length of business, and income), and credit characteristics (loan value, product, and installment ratio). This research uses logistic regression analysis method. The variables of trading business, loan value, Flexi product, and installment ratio have a significant influence on the chances of a customer's current credit at PT. Pegadaian Area Padang. Meanwhile, the variables of gender, age, education, marital status, number of dependents, ownership of place of business, length of business, and income do not have a significant influence on the chances of a customer's current credit at PT. Pegadaian Area Padang.\",\"PeriodicalId\":30940,\"journal\":{\"name\":\"Jurnal Ekonomi Pembangunan Kajian Masalah Ekonomi dan Pembangunan\",\"volume\":\"75 1\",\"pages\":\"\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2023-03-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Jurnal Ekonomi Pembangunan Kajian Masalah Ekonomi dan Pembangunan\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.24036/jkep.v5i1.14424\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Jurnal Ekonomi Pembangunan Kajian Masalah Ekonomi dan Pembangunan","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.24036/jkep.v5i1.14424","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0
摘要
本研究的目的是找出客户特征、业务特征和信用特征对巴东PT. Pegadaian地区流动贷款的影响。使用的因素是客户特征(性别、年龄、教育程度、婚姻状况、家属人数)、业务特征(业务领域、营业场所所有权、业务期限、收入)和信用特征(贷款价值、产品、分期付款比例)。本研究采用logistic回归分析方法。交易业务、贷款金额、flexxi产品、分期付款比例等变量对客户在PT. Pegadaian Area Padang的当前信贷机会有显著影响。同时，性别、年龄、受教育程度、婚姻状况、受抚养人数量、营业地点所有权、营业年限、收入等变量对客户在PT. Pegadaian Area Padang的当前信用机会没有显著影响。
Analisis Peluang Kredit Lancar Studi Kasus: PT. Pegadaian Area Padang
The purpose of this research to find out how the influence of Customer Characteristics, Business Characteristics, and Credit Characteristics on Current Loans at PT. Pegadaian Area Padang. The factors used are customer characteristics (gender, age, education, marital status, and number of dependents), business characteristics (business field, ownership of business premises, length of business, and income), and credit characteristics (loan value, product, and installment ratio). This research uses logistic regression analysis method. The variables of trading business, loan value, Flexi product, and installment ratio have a significant influence on the chances of a customer's current credit at PT. Pegadaian Area Padang. Meanwhile, the variables of gender, age, education, marital status, number of dependents, ownership of place of business, length of business, and income do not have a significant influence on the chances of a customer's current credit at PT. Pegadaian Area Padang.
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