PENGARUH HARGA JUAL DAN SYARAT KREDIT TERHADAP PENJUALAN KREDIT PT HOME CREDIT INDONESIA CABANG SURABAYA

As the economy changes after the pandemic storm in all countries, especially Indonesia, many parties move very quickly, everyone must survive to survive, from national business corporations to small and medium class MSMEs to develop their businesses. The development of the business provides significant benefits for the company or business, which has an impact on increasing company profits. The company's goal is to sell goods to consumers and users both directly and digitally, so it is necessary to carry out effective and efficient sales. Sales usually consist of sales of goods and services, both cash and credit. Research conducted by Syarial, (2015), shows that the results of his research have a positive and significant effect on purchasing decisions, in this case researchers purchase using credit sales. The rise of credit sales in various regions both online and offline, many people from various walks of life to follow the latest trend. Technological advances have made many digital platforms appear. One that is widely used because of the convenience provided is the sales application. Because of this phenomenon, researchers are interested in examining Credit Sales at PT Home Credit Indonesia Surabaya branch studied through credit prices and credit terms. The purpose of this thesis is to find out the selling price, credit interest rate affects the credit sales of PT Home Credit Indonesia Surabaya branch, Validity test, reliability test, multiple linear regression statistical test, F test, and t test are used in this influence research, a non- experimental quantitative research method. The results found that credit sales (Y) were influenced by selling price (X1) and credit terms (X2), and both variables were influenced by credit sales (Y) if tested simultaneously.