INFLUENCE PEOPLE, PROCESS AND PHYSICAL EVIDENCE DECISION ON TAKING CREDIT SERVICES COMPANY LEASING FIF GROUP BRANCH PADANG

Abstract

The research is purposed to know the influences of people, process and physical evidence to decision to do credit service at the company of leasing FIF Astra Group in Padang. This research is using purposive sampling technique the amount of samples used are 180 respondent. The kind of data which used is primer data through the questionnare. The data analysis method wich used is multiple regression analysis, the hypotesis testing is using statistic testing T-test to prove the influences of people, process and physical evidence to decision to do credit service at FIF Astra Group in Padang. The suggestion of the reasearcher is to keep improving the work of the people and employes because based on descriptive research is still found the employees who are not keeping promises to the customers, it has big influences to the customers decision to do credit service moreover the researcher also suggest the company to increase the process system of crediting and appearance because in this research, the process and physical evidence of the FIF Astra Group company is categorized well enough. Keywords: People, process, physical evidence and purchase decision.