Pengaruh Digital Marketing, Kualitas Pelayanan, dan Kepercayaan Nasabah terhadap Keputusan Kredit pada LPD Kabupaten Tabanan

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Published: Nov 5, 2026
DOI: https://doi.org/10.56799/ekoma.v6i1.21505
Keywords:
digital, service, customer, credit, LPD

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I Gusti Agung Ayu Intan Fatmayoni
Program Studi Akuntansi, Politeknik Nasional, Denpasar Bali, Indonesia
Ni Wayan Asri Pradnyani
Program Studi Akuntansi, Politeknik Nasional, Denpasar Bali, Indonesia
I Gusti Ngurah Putra Harthawan
Program Studi Akuntansi, Politeknik Nasional, Denpasar Bali, Indonesia
Pande Made Ari Ananta Paramarta
Fakultas Pertanian dan Bisnis, Universitas Dwijendra

Abstract

This study aims to analyze the influence of digital marketing, service quality, and customer trust on credit decisions at LPD Desa Adat Bedha. This study uses a quantitative approach, with data collected through questionnaires distributed to customers of LPD Desa Adat Bedha. The data were analyzed using the Partial Least Squares Structural Equation Modeling method through the SmartPLS application. The analysis was conducted to determine the influence of each variable on credit decisions based on the original sample, T statistics, and P values. The results show that digital marketing has a positive and significant effect on credit decisions, with an original sample value of 0.286, a T statistics value of 3.488, and a P value of 0.001. Customer trust also has a positive and significant effect on credit decisions, with an original sample value of 0.418, a T statistics value of 5.160, and a P value of 0.000. Service quality has a positive and significant effect on credit decisions, with an original sample value of 0.351, a T statistics value of 4.179, and a P value of 0.000. These results indicate that improvements in digital marketing, service quality, and customer trust can increase credit decisions at LPD Desa Adat Bedha.

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How to Cite
Fatmayoni, I. G. A. A. I., Pradnyani, N. W. A., Harthawan, I. G. N. P., & Paramarta, P. M. A. A. (2026). Pengaruh Digital Marketing, Kualitas Pelayanan, dan Kepercayaan Nasabah terhadap Keputusan Kredit pada LPD Kabupaten Tabanan. EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi, 6(1), 1616–1626. https://doi.org/10.56799/ekoma.v6i1.21505
Issue
Vol. 6 No. 1: November 2026
Section
Articles
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This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

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