<mets:mets OBJID="eprint_5717" LABEL="Eprints Item" xsi:schemaLocation="http://www.loc.gov/METS/ http://www.loc.gov/standards/mets/mets.xsd http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-3.xsd" xmlns:mets="http://www.loc.gov/METS/" xmlns:mods="http://www.loc.gov/mods/v3" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><mets:metsHdr CREATEDATE="2026-08-09T08:02:07Z"><mets:agent ROLE="CUSTODIAN" TYPE="ORGANIZATION"><mets:name>Repository Universitas Bojonegoro</mets:name></mets:agent></mets:metsHdr><mets:dmdSec ID="DMD_eprint_5717_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:titleInfo><mods:title>Pengaruh Kualitas Layanan, Prosedur Kredit, dan Promosi Terhadap Keputusan UMKM Melakukan Pinjaman Kredit di Mega Finance  Kabupaten Bojonegoro</mods:title></mods:titleInfo><mods:name type="personal"><mods:namePart type="given">Trisiana</mods:namePart><mods:namePart type="family">Eka Nofi Trisiana</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:abstract>Penelitian ini bertujuan untuk menganalisis pengaruh Kualitas Layanan (X1), Prosedur Kredit (X2), dan Promosi (X3) baik secara parsial maupun simultan terhadap Keputusan UMKM Melakukan Pinjaman Kredit (Y) di PT Mega Finance Kabupaten Bojonegoro. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif kausal. Populasi penelitian berjumlah 295 nasabah UMKM yang mengajukan kredit di PT Mega Finance Cabang Bojonegoro selama periode April–Mei 2026. Melalui teknik Non-Probability Sampling dengan metode Purposive Sampling dan perhitungan Rumus Slovin (margin of error 10%), diperoleh sampel sebanyak 75 responden; guna meminimalisasi risiko pengisian yang tidak lengkap atau acak, jumlah sampel dibulatkan dan ditetapkan menjadi 100 responden. Teknik analisis data menggunakan regresi linear berganda dengan bantuan SPSS 25, meliputi uji validitas, uji reliabilitas, uji asumsi klasik, uji t (parsial), uji F (simultan), dan uji koefisien determinasi (Adjusted R Square). Hasil penelitian menunjukkan bahwa secara parsial, Kualitas Layanan (X1) berpengaruh positif dan signifikan terhadap Keputusan UMKM Melakukan Pinjaman Kredit (t hitung 3,059 &gt; t tabel 1,984; sig. ,003). Prosedur Kredit (X2) juga berpengaruh positif dan signifikan (t hitung 2,957 &gt; t tabel 1,984; sig. ,004), demikian pula Promosi (X3) (t hitung 2,739 &gt; t tabel 1,984; sig. ,008). Secara simultan, ketiga variabel independen terbukti berpengaruh positif dan signifikan terhadap Keputusan UMKM Melakukan Pinjaman Kredit, dengan nilai F hitung sebesar 38,743 &gt; F tabel 2,73 dan signifikansi 0,000 &lt; 0,05. Nilai Adjusted R Square sebesar 0,606 menunjukkan bahwa Kualitas Layanan, Prosedur Kredit, dan Promosi secara bersama-sama mampu menjelaskan 60,6% variasi Keputusan UMKM Melakukan Pinjaman Kredit, sedangkan sisanya 39,4% dipengaruhi oleh variabel lain di luar model penelitian ini.</mods:abstract><mods:classification authority="lcc">Prodi Manajemen Ritel</mods:classification><mods:originInfo><mods:dateIssued encoding="iso8601">2026-07-13</mods:dateIssued></mods:originInfo><mods:originInfo><mods:publisher>Universitas Bojonegoro;Fakultas Ekonomi</mods:publisher></mods:originInfo><mods:genre>Thesis</mods:genre></mets:xmlData></mets:mdWrap></mets:dmdSec><mets:amdSec ID="TMD_eprint_5717"><mets:rightsMD ID="rights_eprint_5717_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:useAndReproduction>
<p xmlns="http://www.w3.org/1999/xhtml"><strong>For work being deposited by its own author:</strong>
In self-archiving this collection of files and associated bibliographic
metadata, I grant Repository Universitas Bojonegoro the right to store
them and to make them permanently available publicly for free on-line.
I declare that this material is my own intellectual property and I
understand that Repository Universitas Bojonegoro does not assume any
responsibility if there is any breach of copyright in distributing these
files or metadata. (All authors are urged to prominently assert their
copyright on the title page of their work.)</p>

<p xmlns="http://www.w3.org/1999/xhtml"><strong>For work being deposited by someone other than its
author:</strong> I hereby declare that the collection of files and
associated bibliographic metadata that I am archiving at
Repository Universitas Bojonegoro) is in the public domain. If this is
not the case, I accept full responsibility for any breach of copyright
that distributing these files or metadata may entail.</p>

<p xmlns="http://www.w3.org/1999/xhtml">Clicking on the deposit button indicates your agreement to these
terms.</p>
    </mods:useAndReproduction></mets:xmlData></mets:mdWrap></mets:rightsMD></mets:amdSec><mets:fileSec><mets:fileGrp USE="reference"><mets:file ID="eprint_5717_14162_1" SIZE="582606" OWNERID="https://repository.unigoro.ac.id/id/eprint/5717/1/Abstrak.pdf" MIMETYPE="application/pdf"><mets:FLocat LOCTYPE="URL" xlink:type="simple" xlink:href="https://repository.unigoro.ac.id/id/eprint/5717/1/Abstrak.pdf"></mets:FLocat></mets:file></mets:fileGrp><mets:fileGrp USE="reference"><mets:file ID="eprint_5717_14163_1" SIZE="223426" OWNERID="https://repository.unigoro.ac.id/id/eprint/5717/2/bab%201.pdf" MIMETYPE="application/pdf"><mets:FLocat LOCTYPE="URL" xlink:type="simple" xlink:href="https://repository.unigoro.ac.id/id/eprint/5717/2/bab%201.pdf"></mets:FLocat></mets:file></mets:fileGrp><mets:fileGrp USE="reference"><mets:file ID="eprint_5717_14164_1" SIZE="277784" OWNERID="https://repository.unigoro.ac.id/id/eprint/5717/3/bab%202.pdf" MIMETYPE="application/pdf"><mets:FLocat LOCTYPE="URL" xlink:type="simple" xlink:href="https://repository.unigoro.ac.id/id/eprint/5717/3/bab%202.pdf"></mets:FLocat></mets:file></mets:fileGrp><mets:fileGrp USE="reference"><mets:file ID="eprint_5717_14165_1" SIZE="269748" OWNERID="https://repository.unigoro.ac.id/id/eprint/5717/4/bab%203.pdf" MIMETYPE="application/pdf"><mets:FLocat LOCTYPE="URL" xlink:type="simple" xlink:href="https://repository.unigoro.ac.id/id/eprint/5717/4/bab%203.pdf"></mets:FLocat></mets:file></mets:fileGrp><mets:fileGrp USE="reference"><mets:file ID="eprint_5717_14166_1" SIZE="342963" OWNERID="https://repository.unigoro.ac.id/id/eprint/5717/5/bab%204.pdf" MIMETYPE="application/pdf"><mets:FLocat LOCTYPE="URL" xlink:type="simple" xlink:href="https://repository.unigoro.ac.id/id/eprint/5717/5/bab%204.pdf"></mets:FLocat></mets:file></mets:fileGrp><mets:fileGrp USE="reference"><mets:file ID="eprint_5717_14167_1" SIZE="243226" OWNERID="https://repository.unigoro.ac.id/id/eprint/5717/6/bab%205.pdf" MIMETYPE="application/pdf"><mets:FLocat LOCTYPE="URL" xlink:type="simple" xlink:href="https://repository.unigoro.ac.id/id/eprint/5717/6/bab%205.pdf"></mets:FLocat></mets:file></mets:fileGrp><mets:fileGrp USE="reference"><mets:file ID="eprint_5717_14168_1" SIZE="1173627" OWNERID="https://repository.unigoro.ac.id/id/eprint/5717/7/lampiran.pdf" MIMETYPE="application/pdf"><mets:FLocat LOCTYPE="URL" xlink:type="simple" xlink:href="https://repository.unigoro.ac.id/id/eprint/5717/7/lampiran.pdf"></mets:FLocat></mets:file></mets:fileGrp></mets:fileSec><mets:structMap><mets:div DMDID="DMD_eprint_5717_mods" ADMID="TMD_eprint_5717"><mets:fptr FILEID="eprint_5717_document_14162_1"></mets:fptr><mets:fptr FILEID="eprint_5717_document_14163_1"></mets:fptr><mets:fptr FILEID="eprint_5717_document_14164_1"></mets:fptr><mets:fptr FILEID="eprint_5717_document_14165_1"></mets:fptr><mets:fptr FILEID="eprint_5717_document_14166_1"></mets:fptr><mets:fptr FILEID="eprint_5717_document_14167_1"></mets:fptr><mets:fptr FILEID="eprint_5717_document_14168_1"></mets:fptr></mets:div></mets:structMap></mets:mets>