Improving customer service

Oct 13, 2025 by leolavanderia.com.br 26 views

Introduction

PT. Sarana North Sumatra Ventura, a venture capital company operating in Medan, focuses on financing micro, small and medium entrepreneurs. The company has made various efforts to increase the amount of credit financing realization, but unfortunately, the realization of the approved credit application file has decreased between 2010 and 2011. This decrease has direct implications for the company's revenue. In every credit application, prospective debtors certainly hope that the submission is approved. However, PT. The North Sumatra Venture Facility continues to apply a strict assessment to determine the feasibility of prospective debtors based on established operational standards.

Background of the Study

The conditions of decreased bank revenue from credit are caused by several factors, including credit policies implemented, landing operational standards, and the quality of services provided. To better understand this phenomenon, this study aims to find out which factors are most dominantly affecting the debtor in applying for credit at PT. Sarana North Sumatra Ventura, as well as formulating an effective strategy to increase financing realization. The study focuses on the factors that influence credit application decisions, including credit policies, credit operational standards, and credit services.

Methodology

The research method used is descriptive research, which aims to describe systematically and accurately the facts and properties of certain objects or populations. This study was conducted through a survey to collect factual data from existing symptoms, with a research population of 55 debtors at PT. Sarana North Sumatra Ventura in 2010. The data was analyzed using multiple regression to identify the factors that influence credit application decisions.

Results

The results of data analysis using multiple regression show that 71.2% of credit submission decisions are influenced by credit policies, credit operational standards, and credit services. Among these factors, credit standards turned out to be the most significant element influenced the debtor's decision to apply for credit. The results of the study indicate that credit policies, credit operational standards, and credit services play a crucial role in determining the feasibility of prospective debtors.

Discussion

With a deep understanding of the factors that influence credit application, PT. North Sumatra Venture facilities can formulate a more effective strategy. For example, companies can consider revising credit policies to be more flexible, improve the quality of customer service, and simplify the credit application process to encourage more debtors to make submissions. This will not only increase credit realization, but also contribute to local economic growth through the empowerment of micro, small and medium enterprises in Medan.

Conclusion

Efforts to increase the amount of credit realization at PT. The North Sumatra Ventura Medan facilities require a strategic approach and focus on the needs and expectations of the debtor, while maintaining the integrity and quality of the predetermined credit standards. The study provides valuable insights into the factors that influence credit application decisions and offers recommendations for improving credit realization.

Recommendations

Based on the findings of the study, the following recommendations are made:

Revising credit policies: PT. North Sumatra Venture facilities should consider revising credit policies to be more flexible and accommodating to the needs of prospective debtors.
Improving customer service: The company should improve the quality of customer service to provide better support and guidance to prospective debtors.
Simplifying the credit application process: The company should simplify the credit application process to make it easier for prospective debtors to apply for credit.

Limitations of the Study

The study has several limitations, including:

Sample size: The study was conducted with a sample size of 55 debtors, which may not be representative of the larger population.
Data collection method: The study used a survey method to collect data, which may be subject to biases and limitations.

Future Research Directions

Future research should focus on:

Investigating the impact of credit policies on credit realization: Further research should investigate the impact of credit policies on credit realization and explore ways to improve credit policies.
Examining the role of customer service in credit application decisions: Future research should examine the role of customer service in credit application decisions and explore ways to improve customer service.
Developing a more comprehensive model of credit application decisions: Future research should develop a more comprehensive model of credit application decisions that takes into account multiple factors and variables.

Conclusion

In conclusion, the study provides valuable insights into the factors that influence credit application decisions and offers recommendations for improving credit realization. The study highlights the importance of credit policies, credit operational standards, and credit services in determining the feasibility of prospective debtors. By revising credit policies, improving customer service, and simplifying the credit application process, PT. North Sumatra Venture facilities can increase credit realization and contribute to local economic growth through the empowerment of micro, small and medium enterprises in Medan.

Q: What is the main objective of the study?

A: The main objective of the study is to identify the factors that influence credit application decisions and formulate an effective strategy to increase financing realization at PT. Sarana North Sumatra Ventura Medan.

Q: What research method was used in the study?

A: The research method used in the study is descriptive research, which aims to describe systematically and accurately the facts and properties of certain objects or populations.

Q: What is the significance of the study?

A: The study is significant because it provides valuable insights into the factors that influence credit application decisions and offers recommendations for improving credit realization. The study can contribute to local economic growth through the empowerment of micro, small and medium enterprises in Medan.

Q: What are the limitations of the study?

A: The study has several limitations, including a sample size of 55 debtors, which may not be representative of the larger population, and the use of a survey method to collect data, which may be subject to biases and limitations.

Q: What are the recommendations of the study?

A: The study recommends that PT. North Sumatra Venture facilities consider revising credit policies to be more flexible, improve the quality of customer service, and simplify the credit application process to encourage more debtors to make submissions.

Q: What are the future research directions?

A: Future research should focus on investigating the impact of credit policies on credit realization, examining the role of customer service in credit application decisions, and developing a more comprehensive model of credit application decisions.

Q: What are the implications of the study for PT. Sarana North Sumatra Ventura Medan?

A: The study has implications for PT. Sarana North Sumatra Ventura Medan in terms of revising credit policies, improving customer service, and simplifying the credit application process to increase credit realization and contribute to local economic growth.

Q: What are the implications of the study for micro, small and medium enterprises in Medan?

A: The study has implications for micro, small and medium enterprises in Medan in terms of access to credit financing and the empowerment of entrepreneurs to grow their businesses.

Q: What are the implications of the study for the local economy?

A: The study has implications for the local economy in terms of the empowerment of micro, small and medium enterprises, which can contribute to local economic growth and development.

Q: What are the implications of the study for the banking industry?

A: The study has implications for the banking industry in terms of the need to revise credit policies, improve customer service, and simplify the credit application process to increase credit realization and contribute to local economic growth.

Q: What are the implications of the study for the government?

A: The study has implications for the government in terms of the need to support the growth of micro, small and medium enterprises through access to credit financing and other forms of support.

Q: What are the implications of the study for the community?

A: The study has implications for the community in terms of the empowerment of micro, small and medium enterprises, which can contribute to local economic growth and development, and improve the standard of living of the community.