The better prospect of banking industry create a binding competition. PT. Bank Negara Indonesia (Persero) Tbk, Sentra Kredit Kecil (SKC) Pematang Siantar need to have a reliable marketing strategy in selling their product. One of the marketing strategy that can support to sell the lending product is the using of marketing mix that consist of product, price, place, promotion, people, process, and customer service.The main problem in this research is how far the marketing mix that consist of product, price, place, promotion, people, process, and customer service influence the customer decision in using BNI Wirausaha loan and how far the sales promotion and personal selling influence the implementation of promotion that have been done.The goal of this research is to find out and analyze the effect of marketing mix that consist of product, price, place, promotion, people, process and customer service to customer decision in using BNI Wirausaha loan at Bank BNI Sentra Kredit Kecil Pematang Siantar and also to analyze the influence of sales promotion and personal selling in promotion at Bank BNI Sentra Kredit Kecil Pematang Siantar.The theory used in this research is The Theory of Marketing Management related to Marketing Mix and Consumer Behavior. The research type is explanatory research which is supported by survey method and quantitative descriptive approach. The techniques used for primary data collection is Questionnaires, interviews, and documentation study. The population are 258 customers of BNI Wirausaha with sample size 72 respondents. The hypothesis test uses multiple linear regression analysis, F test (simultaneous) and t test (partial) used in order to explain the effect of independent variables of dependent variables at the coefficient level 95 % (α = 5%).The conclusion is marketing mix that consist of product, price, place, promotion, people, process, and customer service both simultaneously and partially have significant influence to the customer decision in using BNI Wirausaha loan at Bank BNI SKC Pematang Siantar.
