KAJIAN FAKTOR PSIKOLOGIS DALAM PENGAMBILAN KEPUTUSAN
PEMBIAYAAN PT. HOMECREDIT
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Institusion
Sekolah Tinggi Ilmu Ekonomi Bank Bpd Jawa Tengah
Author
Fitriana, Anggi Deva
Subject
HG Finance
Datestamp
2024-03-19 05:01:11
Abstract :
Abstract The economy in Indonesia has developed from year to year, one of which is in companies engaged in providing funds. There are many factors in making financing decisions, one of which is psychological factors. This study aims to determine and understand the effect of psychological factors Social Interaction, Self Attribution, Oveconvidence, Availability, Emotional on financing decision making on customers of PT Homecredit Semarang. This study uses data by distributing questionnaires via google form as a medium for collecting data for 100 respondents, the data is processed using SPSS software. The analysis used in this study is descriptive analysis, data feasibility test, classical assumption test, descri.ptive statistical test, multiple linear regression test, and hypothesis testing. The results of this study indicate that Emotional has a positive and significant effect on decision making. While Social Interaction, Self Attribution, Overconvidence, and Availability have no significant effect on decision making. Keywords: social interaction, self attribution, overconvidence, availability, emotional
Abstract The economy in Indonesia has developed from year to year, one of which is in companies engaged in providing funds. There are many factors in making financing decisions, one of which is psychological factors. This study aims to determine and understand the effect of psychological factors Social Interaction, Self Attribution, Oveconvidence, Availability, Emotional on financing decision making on customers of PT Homecredit Semarang. This study uses data by distributing questionnaires via google form as a medium for collecting data for 100 respondents, the data is processed using SPSS software. The analysis used in this study is descriptive analysis, data feasibility test, classical assumption test, descri.ptive statistical test, multiple linear regression test, and hypothesis testing. The results of this study indicate that Emotional has a positive and significant effect on decision making. While Social Interaction, Self Attribution, Overconvidence, and Availability have no significant effect on decision making. Keywords: social interaction, self attribution, overconvidence, availability, emotional
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