MUFTHI, ACHMAD REZA (2024) ANALISA DIFERENSIASI PRODUK DAN INOVASI PRODUK TERHADAP KEPUTUSAN MENGAMBIL KREDIT MELALUI KEUNGGULAN BERSAING PT WOM FINANCE CABANG SIDOARJO. Masters thesis, UPN VETERAN JAWA TIMUR.
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Abstract
The customer's decision to take credit is a process carried out by the customer when taking credit by considering the rules and actions that have been explained in detail. The objectives to be achieved in this study were to determine (1) product differentiation on credit decisions, (2) the effect of product innovation on credit decisions, (3) product differentiation on credit decisions through competitive advantage, (4) product innovation on credit decisions through competitive advantage. The population in this study were customers at PT WOM Finance Sidoarjo Branch as many as 2,703 customers who had been more than two years as regular customers. The research sample used to represent 97 people who were selected according to the specified criteria. The sampling used puposive sampling technique and the analysis used Partial Least Square (PLS) method. The results in this study indicate that (1) product differentiation is able to contribute directly to the decision to take credit, (2) the effect of product innovation is able to contribute directly to the decision to take credit, (3) product differentiation is able to contribute to the decision to take credit through competitive advantage, and (4) product innovation is able to contribute to the decision to take credit through competitive advantage. Keywords: Product Differentiation, Product Innovation, Competitive Advantage, and Decision to Take Credit.
| Item Type: | Thesis (Masters) | ||||||||
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| Subjects: | H Social Sciences > HJ Public Finance | ||||||||
| Divisions: | Faculty of Economic > Magister Management | ||||||||
| Depositing User: | Achmad Reza Mufthi | ||||||||
| Date Deposited: | 12 Aug 2024 05:10 | ||||||||
| Last Modified: | 12 Aug 2024 05:10 | ||||||||
| URI: | https://repository.upnjatim.ac.id/id/eprint/28126 |
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