A study on the factors that encourage EPIC staff making loan / Nurulhuda Roslan

EPIC owns the Kemaman Supply Base (KSB), a leading petroleum supply base located within the Petroleum Development Zone in Kemaman, Terengganu. KSB hosts more than 250 services companies supporting the petroleum industry with services such as fabrication, engineering works, manufacturing and assembly, wire line and rigging, equipment testing and inspection, handling and supplies; among others.
This study was focusing on present Staff of EPIC Berhad. 100 respondents, who making a personal loan had been selected to answer the questionnaire and the respondents are being select with the time and budget constraint as a guideline. Researcher used non-probability sampling which was convenience sampling technique.
In this study, the researcher selected the involvement of EPIC Berhad staff in making personal loan as a dependent variable. The factors that researcher choose for independent variable were interest rate, term of payment, service quality and quality of product.
From the findings and hypotheses, it shows that the relationship between dependent variable and all independent variables are significant and the alternate hypotheses are accepted. In conclusion, the researcher had made some recommendation and suggestion that could help EPIC staff in making their personal loan.