PENGARUH FAKTOR BUDAYA, FAKTOR PRIBADI, FAKTOR PISIKOLOGI TERHADAP KEPUTUSAN Nasabah Menggunakan Jasa Pinjaman Koperasi Mekar Lubuk Layang

Aini, Lisa Etopia (2025) PENGARUH FAKTOR BUDAYA, FAKTOR PRIBADI, FAKTOR PISIKOLOGI TERHADAP KEPUTUSAN Nasabah Menggunakan Jasa Pinjaman Koperasi Mekar Lubuk Layang. Skripsi thesis, UIN Imam Bonjol Padang.

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Abstract

The title of this thesis is "The Influence of Cultural Factors, Personal Factors, and Psychological Factors on Customer Decisions to Choose Mekar Lubuk Layang Cooperative Loans". Prepared by Lisa Etopia Aini Nim 191601013 Sharia Economics Study Program, Faculty of Economics and Islamic Business, UIN Imam Bonjol Padang. The background of this research is that many people find it difficult to get financing from the Institution due to complicated requirements, especially for those whose economy is middle to lower class so they decide to do financing at the Mekar Cooperative. This study aims to analyze the influence of cultural factors, personal factors, and psychological factors on customer decisions choosing to use mekar cooperative financing. The data used in this study are primary data obtained from a questionnaire. The sample number is 80 respondents who are customers who use mekar cooperative services using accidental sampling. Data analysis in this study used Smart-PLS4. The data analysis technique used in this study is quantitative data technique using statistical methods. The statistical method used is partial least square (PLS). The results showed that cultural factors, personal factors and psychological factors have a significant effect on customer decisions to use blooming cooperative financing.

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