The Influence of Location, Credit Interest Rates, and Quality of Service on the Satisfaction of Cooperative Members in Credit on Cooperativa Esperanca Timor Oan CEVTO in Dili, Timor Leste
INTERNATIONAL JOURNAL OF TREND IN SCIENTIFIC RESEARCH AND DEVELOPMENT, 8 (1):
658-675 (February 2024)Abstract
All service companies, especially bank financial institutions and non bank financial institutions, have an important role in moving the wheels of a countrys economy. Therefore, in order for the states goal of improving peoples living standards to be achieved, the country concerned needs monetary stability. Timor Leste is a newly independent country, so it really needs the presence of bank financial institutions and non bank financial institutions in increasing economic growth. The existence of cooperatives really helps the community through collecting funds and allocating funds so that they can help the community in carrying out business activities, through earning funds from bank financial institutions are very important for the existence of bank financial institutions in helping to improve peoples living standards. Location selection decisions can be seen from the first three aspects, because location selection is a permanent and long term impact, whether the location has been purchased or just rented. Both locations can influence future business growth so that the location chosen must be able to experience economic growth so that the business can survive. Service quality is also an issue that needs to be considered apart from location and credit interest rates. Service quality is one measure of the satisfaction of cooperative members This cooperative was founded with the aim of helping improve the standard of living of cooperative members. Credit disbursed is based on general assembly decisions and the credit interest rate charged is determined based on a joint decision, both the founders and members of the cooperative. Efforts to increase cooperative profits are expected to fulfill one of the cooperatives objectives, namely to improve the welfare of members and maintain the survival of the cooperative. Savings and loan cooperatives, whose members are cooperative customers, carry out main activities to provide various financial benefits to their members by providing loans through an easy process and low interest, so that cooperative members will feel satisfied. Silvester Xavier Sufa Efi "The Influence of Location, Credit Interest Rates, and Quality of Service on the Satisfaction of Cooperative Members in Credit on Cooperativa Esperanca Timor Oan (CEVTO) in Dili, Timor Leste" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd63465.pdf Paper Url: https://www.ijtsrd.com/economics/development-economics/63465/the-influence-of-location-credit-interest-rates-and-quality-of-service-on-the-satisfaction-of-cooperative-members-in-credit-on-cooperativa-esperanca-timor-oan-cevto-in-dili-timor-leste/silvester-xavier-sufa-efi