The Influence of Interest Rates, Evaluation of Credit Eligibility and Customer Character on the Decision of Customer Credit Requests at Bank Panin Mojosari
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Abstract
Loans to customers are based on solvency analysis. Basically, a customer loanworthiness analysis assesses a customer's ability to run their business in a way that allows them to meet their obligations. This can be done by applying general loan principles, analyzing customer documents or records, seeking information from other sources such as B. Blacklist of credit arrears, similar business groups, customer business partners. This study focuses on the role of interest rates and the assessment of the feasibility and character of the client for subsequent loan approval. With evidence from statistical engineering, it is clear that all independent variables have an impact on credit demand decisions.
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