Understanding the Factors that Influence the Decision to Become a Customer of BPR Pijer Podi Kelenggen

Oct 13, 2025 by magicalceylontours.com 102 views

The Influence of Perception and Social Environment on Decision Making to Become a Loan Customer of BPR Pijer Podi Kelenggen Simpang Selayang Branch Medan: A Study on the Role of Motivation as an Intervening Variable

Introduction

Becoming a loan customer is a complex decision-making process that involves various internal and external factors. The perception and social environment play a significant role in shaping an individual's decision to take a loan from a financial institution. This study aims to examine the effect of perception, social environment, and motivation on the decision to become a loan customer at BPR Pijer Podi Kelenggen Simpang Selayang Branch Medan. The study also investigates whether motivation acts as an intervening variable that mediates the influence of perception and social environment on customer decisions.

Understanding the Factors that Influence the Decision to Become a Customer of BPR Pijer Podi Kelenggen

Deciding to become a loan customer is a multifaceted process that involves various considerations. The perception and social environment are two critical factors that influence an individual's decision to take a loan. Perception refers to the way an individual views and interprets information about a financial institution, while the social environment refers to the social norms, values, and expectations that influence an individual's behavior. Motivation is another important factor that can influence an individual's decision to become a loan customer.

Methodology

This study uses a survey method to collect data from 90 participants who were selected through accidental sampling. The data collection process involved interviews, documentation, and questionnaires. The study uses a structural equation model (SEM) to test the effect of independent variables on the dependent variable, both directly and through the influence of motivation as an intervening variable.

Results

The results of this study show that perception and social environment have a significant direct effect on customer decisions to become loan customers. The coefficient value of social environmental factors is 0.461, indicating that the influence of the social environment on decisions to become debtors is stronger than the influence of perception. However, motivation does not act as an intervening variable that mediates the influence between perception and the social environment on decisions to become loan customers.

Discussion

The findings of this study suggest that social environmental factors have a significant influence on customer decisions to become loan customers. The social environment plays a crucial role in shaping an individual's behavior and influencing their decision to take a loan. The results also indicate that motivation does not act as an intervening variable that mediates the influence between perception and the social environment on customer decisions.

Conclusion

This study provides insight into the factors that influence the decision to become a loan customer at BPR Pijer Podi Kelenggen Simpang Selayang Branch Medan. The findings suggest that social environmental factors have a significant influence on customer decisions, and motivation does not act as an intervening variable that mediates the influence between perception and the social environment. This research can be used as a consideration for BPR Pijer Podi Kelenggen to improve its marketing strategy and develop a more effective approach to attract the interest of prospective loan customers.

Implications for BPR Pijer Podi Kelenggen

The findings of this study have several implications for BPR Pijer Podi Kelenggen. Firstly, the study suggests that the social environment plays a crucial role in shaping customer behavior and influencing their decision to take a loan. Therefore, BPR Pijer Podi Kelenggen should focus on creating a positive social environment that encourages customers to take loans. Secondly, the study indicates that motivation does not act as an intervening variable that mediates the influence between perception and the social environment. Therefore, BPR Pijer Podi Kelenggen should focus on creating a positive perception of the institution among its customers.

Limitations of the Study

This study has several limitations. Firstly, the study uses a survey method to collect data, which may be subject to biases and limitations. Secondly, the study only examines the effect of perception, social environment, and motivation on customer decisions, and does not consider other factors that may influence customer behavior.

Future Research Directions

This study provides several directions for future research. Firstly, future studies can examine the effect of other factors that may influence customer behavior, such as demographic characteristics, financial literacy, and risk tolerance. Secondly, future studies can investigate the role of motivation as an intervening variable that mediates the influence between perception and the social environment on customer decisions.

References

[List of references cited in the study]

Appendix

[Appendix materials, such as additional tables and figures, that support the findings of the study]

Abstract

This study examines the effect of perception, social environment, and motivation on the decision to become a loan customer at BPR Pijer Podi Kelenggen Simpang Selayang Branch Medan. The study uses a survey method to collect data from 90 participants and a structural equation model (SEM) to test the effect of independent variables on the dependent variable. The results show that perception and social environment have a significant direct effect on customer decisions, and motivation does not act as an intervening variable that mediates the influence between perception and the social environment. The study provides insight into the factors that influence customer behavior and has implications for BPR Pijer Podi Kelenggen to improve its marketing strategy and develop a more effective approach to attract the interest of prospective loan customers.
Frequently Asked Questions (FAQs) about the Influence of Perception and Social Environment on Decision Making to Become a Loan Customer

Q: What is the main objective of this study?

A: The main objective of this study is to examine the effect of perception, social environment, and motivation on the decision to become a loan customer at BPR Pijer Podi Kelenggen Simpang Selayang Branch Medan.

Q: What is the significance of this study?

A: This study is significant because it provides insight into the factors that influence customer behavior and decision making. The findings of this study can be used by BPR Pijer Podi Kelenggen to improve its marketing strategy and develop a more effective approach to attract the interest of prospective loan customers.

Q: What is the difference between perception and social environment?

A: Perception refers to the way an individual views and interprets information about a financial institution, while the social environment refers to the social norms, values, and expectations that influence an individual's behavior.

Q: What is the role of motivation in this study?

A: Motivation is an intervening variable that is examined in this study to determine whether it mediates the influence between perception and the social environment on customer decisions.

Q: What are the findings of this study?

A: The findings of this study show that perception and social environment have a significant direct effect on customer decisions to become loan customers. The coefficient value of social environmental factors is 0.461, indicating that the influence of the social environment on decisions to become debtors is stronger than the influence of perception. However, motivation does not act as an intervening variable that mediates the influence between perception and the social environment on customer decisions.

Q: What are the implications of this study for BPR Pijer Podi Kelenggen?

A: The findings of this study have several implications for BPR Pijer Podi Kelenggen. Firstly, the study suggests that the social environment plays a crucial role in shaping customer behavior and influencing their decision to take a loan. Therefore, BPR Pijer Podi Kelenggen should focus on creating a positive social environment that encourages customers to take loans. Secondly, the study indicates that motivation does not act as an intervening variable that mediates the influence between perception and the social environment. Therefore, BPR Pijer Podi Kelenggen should focus on creating a positive perception of the institution among its customers.

Q: What are the limitations of this study?

A: This study has several limitations. Firstly, the study uses a survey method to collect data, which may be subject to biases and limitations. Secondly, the study only examines the effect of perception, social environment, and motivation on customer decisions, and does not consider other factors that may influence customer behavior.

Q: What are the future research directions based on this study?

A: This study provides several directions for future research. Firstly, future studies can examine the effect of other factors that may influence customer behavior, such as demographic characteristics, financial literacy, and risk tolerance. Secondly, future studies can investigate the role of motivation as an intervening variable that mediates the influence between perception and the social environment on customer decisions.

Q: What are the practical implications of this study?

A: The practical implications of this study are that BPR Pijer Podi Kelenggen should focus on creating a positive social environment that encourages customers to take loans. The study also suggests that BPR Pijer Podi Kelenggen should focus on creating a positive perception of the institution among its customers.

Q: What are the theoretical implications of this study?

A: The theoretical implications of this study are that it provides insight into the factors that influence customer behavior and decision making. The study also contributes to the existing literature on the role of perception and social environment in shaping customer behavior.

Q: What are the policy implications of this study?

A: The policy implications of this study are that it suggests that financial institutions should focus on creating a positive social environment that encourages customers to take loans. The study also suggests that financial institutions should focus on creating a positive perception of the institution among its customers.