The Study Explored Methods to Increase the Number of Debt Settlement Customers Through the GHB ALL BFRIEND Application, Targeting the Government Housing Bank’s Customer Group Managed by the Regional Debt Administration

Abstract

The purposes of this research were: 1) to examine the acceptance of technology impacting decision-making in debt settlements through the application.  2) to propose ways to increase the number of debt settlement customers using the application, employing a mix method for data collection. The research instruments were 1) questionnaire 2) in-depth Interview. Data were analyzed by quantitative research with Ishikawa Diagram methodology. The population was customers who had previously settled debts through the application. The sample group consisted of 252 people using purposive sampling . The research instruments were questionnaire and In-Depth Interview. The data were analyzed by using computer software package.

The results were as follows:

          1. The acceptance of technology for debt settlements through the application was at a high level

          2. The level of opinion decision making on service was high with choosing debt settlement via GHB ALL BEFRIEND, followed by an advice a debt settlement via GHB ALL BEFRIEND