Procedural Ease, Interest Rates, and Trust as Drivers of Credit Decision-Making, Evidence from Bank BRI Customers in Bawean Island
Abstract
Purpose: This study aims to analyze the influence of perceived procedural ease, interest rates, and trust on the decision-making process of Bank BRI customers in Pulau Bawean when applying for credit. The research addresses gaps in prior studies by integrating these three variables simultaneously in the context of a remote island community.
Design/methodology/approach: A quantitative approach was employed using survey data collected from BRI customers in Bawean Island who have taken credit. The study applied descriptive analysis, validity and reliability testing, and multiple linear regression to examine the relationships among variables.
Findings: The results indicate that perceived procedural ease, interest rates, and trust each have a significant effect on credit decision-making. Furthermore, these variables collectively exert a strong influence on customers’ willingness to take credit
Research limitations/implications: The study is limited to BRI customers in Pulau Bawean and focuses only on three independent variables, excluding other potential factors such as promotion, service quality, or income levels.
Practical implications: Findings provide insights for Bank BRI to simplify procedures, set competitive interest rates, and strengthen customer trust, thereby enhancing credit uptake in remote regions.
Originality/value: This research contributes by integrating operational, economic, and psychological factors into one model, specifically within the unique context of a geographically isolated island community, which has been underexplored in prior studies.
Paper type: Research paper
Downloads
References
Anbiya, A., & Renny, R. (2020). Pengaruh suku bunga terhadap keputusan kredit bermasalah. Jurnal Ekonomi dan Bisnis, 15(2), 45–56.
Ardhiansyah, A., & Mustofa, M. (2025). Program Kredit Usaha Rakyat sebagai solusi pembiayaan UMKM. Jurnal Kebijakan Ekonomi, 8(1), 12–25.
Cahyaningrum, C., Santoso, D., & Lestari, R. (2022). Persepsi kemudahan dan kepercayaan dalam layanan keuangan digital. Jurnal Manajemen Keuangan, 10(3), 77–89.
Dewi, R., & Jatmiko, A. (2022). Kepercayaan sebagai variabel intervening dalam keputusan kredit. Jurnal Perbankan dan Keuangan, 14(1), 33–44.
Ernawati, E., Nugroho, S., & Prasetyo, B. (2022). Inkonsistensi pengaruh prosedur dan suku bunga terhadap keputusan kredit. Jurnal Ekonomi Mikro, 9(2), 101–115.
Ghozali, I. (2021). Aplikasi Analisis Multivariate dengan Program IBM SPSS. Semarang: Badan Penerbit Universitas Diponegoro.
Nasih, M., Putri, A., & Hidayat, R. (2024). Trust dan perceived ease dalam layanan fintech. Jurnal Teknologi Keuangan, 6(2), 55–70.
Ramadhan, R., Sari, P., & Wijaya, H. (2023). Persepsi kemudahan dan kepercayaan pada layanan keuangan digital. Jurnal Sistem Informasi Bisnis, 11(4), 88–99.
Salamah, S., & Sudrajat, D. (2021). Word of mouth dan kepercayaan terhadap keputusan kredit KUR. Jurnal Perbankan Indonesia, 13(2), 67–79.
Sucihati, S., Pramono, T., & Lestari, Y. (2020). Faktor-faktor yang memengaruhi keputusan pengambilan kredit. Jurnal Ekonomi dan Bisnis, 12(3), 55–70.
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
Sukarnasih, S., Hidayat, A., & Putra, R. (2024). Analisis pengaruh prosedur dan suku bunga terhadap keputusan kredit. Jurnal Ekonomi Regional, 7(1), 22–34.
Tarigan, T., Simanjuntak, R., & Hutabarat, J. (2024). Kepercayaan dan prosedur dalam keputusan kredit. Jurnal Manajemen Perbankan, 9(2), 44–59.
Wibowo, W., Santosa, H., & Dewi, L. (2025). Kepercayaan sebagai variabel intervening dalam keputusan kredit. Jurnal Ekonomi dan Bisnis, 16(1), 14–28.
Wulandari, W., & Septiani, S. (2024). Technology Acceptance Model dalam layanan keuangan digital. Jurnal Sistem Informasi, 12(2), 33–47.
Wulansari, W., & Sukaris, S. (2021). Suku bunga sebagai indikator keputusan kredit. Jurnal Keuangan dan Perbankan, 13(1), 21–35.
Copyright (c) 2026 IJEBD (International Journal of Entrepreneurship and Business Development)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
