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All Journal Signifikan : Jurnal Ilmu Ekonomi PIRAMIDA Jurnal Ilmiah Akuntansi dan Bisnis Buletin Studi Ekonomi Jurnal Ekonomi Kuantitatif Terapan Matrik: Jurnal Manajemen, Strategi Bisnis, dan Kewirausahaan E-Jurnal Ekonomi dan Bisnis Universitas Udayana E-Jurnal Manajemen Universitas Udayana Jurnal Bisnis dan Kewirausahaan
I Gusti Bagus Wiksuana
Fakultas Ekonomi dan Bisnis , Universitas Udayana, Bali
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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PENGARUH PENILAIAN KEPRIBADIAN DAN KAPASITAS NASABAH TERHADAP PERSETUJUAN KREDIT DI PERUSAHAAN PEMBIAYAAN HOME CREDIT Tiffany Fransisca Heleni Ratu; I Gusti Bagus Wiksuana
E-Jurnal Ekonomi dan Bisnis Universitas Udayana VOLUME.12.NO.01.TAHUN.2023
Publisher : Fakultas Ekonomi dan Bisnis Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EEB.2023.v12.i01.p06

Abstract

During the Covid-19 pandemic in 2020, the Home Credit company has changed its credit acceptance scheme to adapt to current conditions. This is where every potential user of the Home Credit fintech application who wants to apply for credit requires an attachment regarding capacity. In addition to capacity, the Home Credit application also requires personal data as one of the guarantees for the proposed loan. The purpose of this study was to determine the effect of the personality of the prospective debtor on the approval of credit applications at the Home Credit financing company in the Denpasar city area and to determine the effect of the debtor's capacity on the approval of the loan application at the Home Credit financing company in the Denpasar city area. This research method uses quantitative data analysis techniques with multiple linear regression methods. The conclusion of the study is that there is a positive and partially significant effect between Personality on Credit Approval at Home Credit in Denpasar City and there is a partially positive and significant influence between Customer Capacity on Credit Approval at Home Credit in Denpasar City.
Co-Authors A.A.AYU DIAH AMBARAWATI AA. Bagus Angga Pratama Ade Kusuma Dewi Adi Sustika Alexandre de Jesus lay Anak Agung Ayu Mas Radha Rani Dewi Anak Agung Ngurah Mustakawarman Arlina Susanto Arya Darma Wayudi Ayu Denisa Linggih Desak Ketut Sintaasih Dewi Fitma Maya Sari Dewi Rosita Hafsari Siregar Diana Adriani Dwi Varanty Marleadyani Geriadi, Made Ayu Desy Helena Oktaviana Simamora Henny Rahyuda I Dewa Ayu Indah Pratiwi I Gde Kajeng Baskara I Gede Putra Adyatmika I Gusti Agung Kresna Surya Purnama I Gusti Ayu Winda Swari I Gusti Bagus Angga Pratama I Gusti Ngurah Agung Putra Dwipayana I Kadek Sutika I Ketut Mustanda I Made Surya Negara Sudirman I Putu Purwata I Putu Sudana Ida Ayu Anggawulan Saraswathi Ida Ayu Nyoman Saskara Ida Ayu Suryaningrat Intan Sari Ida Bagus Anom Purbawangsa Ida Bagus Panji Sedana Ida Bagus Pradnyana Manuaba Ida Elisa Lily Kusumawati Luh Gede Sri Artini Made Ngurah Ananda Dwita Naniek Noviari Ni Ketut Purnawati Ni Luh Made Wiwiek Oktapiani Ni Luh Putu Nia Anggraeni Ni Luh Putu Wiagustini Ni Made Dewi Puspita Sari Ni Made Intan Wulandari Ni Made Meliani Andari Ni Wayan Noviana Safitri Niluh Ayu Novy Sajjana Wedhana Niluh Sri Andayani Putu Ayu Govika Krisna Dewi Putu Eka Pujawati Putu Hary Krisnanda Putu Trisna Dewanthi Putu Yesi Fransiska Dewi Rahman Rusdi Hamidy Sayu Ketut Sutrisna Dewi Tiffany Fransisca Heleni Ratu Wayan Anggara Wijaya