Capital: Jurnal Ekonomi dan Manajemen最新文献

筛选
英文 中文
Tantangan UKM Menghadapi Pandemi Covid-19: Pengaruh Kepemimpinan dan Pelatihan terhadap Kinerja UKM应对Covid-19大流行的挑战:领导和培训对表现的影响
Capital: Jurnal Ekonomi dan Manajemen Pub Date : 2021-02-25 DOI: 10.25273/CAPITAL.V4I2.8739
M. Amalia
{"title":"Tantangan UKM Menghadapi Pandemi Covid-19: Pengaruh Kepemimpinan dan Pelatihan terhadap Kinerja","authors":"M. Amalia","doi":"10.25273/CAPITAL.V4I2.8739","DOIUrl":"https://doi.org/10.25273/CAPITAL.V4I2.8739","url":null,"abstract":"SMES have a very important role, so it can be said that SMES are the backbone of the Indonesian economy. BPS Data informs that about 99% of existing business units are SMES capable of absorbing manpower about 96.3% of the amount of productive workforce available. But since the outbreak of Covid-19 struck Indonesia from the end of December 2019, the business of SMES is one of the most experienced sectors, such as sales that go down, difficult to obtain raw materials, the disbanding of production and capital are some of the perceived effects of SMES during the pandemic.  To be able to continue to maintain its performance, it takes good cooperation from all parties from government, private, and community participation. This research is conducted with the aim to know the impact of training and leadership on the performance of SME Kab. Tegal during the Covid-19 pandemic. The study took 100 random samples and data collection was conducted through observations, interviews, and questionnaires. Data analysis methods use multiple linear regression analyses. The results showed that partial training had no significant effect on performance, while leadership had a significant influence on MSME performance. Simultaneously the training and leadership significantly affect the performance of SME Kab. Tegal during the Covid-19 pandemic.  Training to the SMES will help improve the performance during the pandemic. Keywords: SMES, leadership, training, pandemic covid-19, performance","PeriodicalId":326017,"journal":{"name":"Capital: Jurnal Ekonomi dan Manajemen","volume":"51 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-02-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122320289","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
Motivasi dan Tantangan Menjadi Wirausaha (Studi Kuantitatif pada Mahasiswa UNIPMA) 成为企业家的动力和挑战(UNIPMA学生的定量研究)
Capital: Jurnal Ekonomi dan Manajemen Pub Date : 2021-02-25 DOI: 10.25273/CAPITAL.V4I2.8743
Septyana Luckyta Sari
{"title":"Motivasi dan Tantangan Menjadi Wirausaha (Studi Kuantitatif pada Mahasiswa UNIPMA)","authors":"Septyana Luckyta Sari","doi":"10.25273/CAPITAL.V4I2.8743","DOIUrl":"https://doi.org/10.25273/CAPITAL.V4I2.8743","url":null,"abstract":"Data Badan Pusat Statistik for August 2020 recorded that 138.22 million Indonesians are in the workforce, the unemployment rate reached 7.07%. The high number of unemployed hinders economic growth. So Indonesia must increase the number of entrepreneurs. This problem encourages the government to cooperate with Kementerian Riset dan Perguruan Tinggi to apply entrepreneurship courses in education curriculum. The program and its mechanisms are expected to encourage economic growth in Indonesia and create many jobs. The research objective was to determine the entrepreneurial perceptions of sixth semester management students of Universitas PGRI Madiun. This research is supported by various factors such as motivators, challenges and government support to start and maintain new businesses. This study also tries to see whether there are differences between gender, educational background, parents, and work experience as demographic factors with one's entrepreneurial intentions. This research uses quantitative methods. Data collection using google form link questionnaire which was distributed to 337 students through class leaders. The data analysis used was descriptive statistics. The results of this study indicate that students of Universitas PGRI Madiun have a high enough intention to become entrepreneurs. Their greatest motivation is to increase income opportunities. Meanwhile, what is considered the biggest challenge in becoming an entrepreneur is funding. So, government support that is deemed urgently needed is to provide financial assistance.","PeriodicalId":326017,"journal":{"name":"Capital: Jurnal Ekonomi dan Manajemen","volume":"88 32 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-02-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130786427","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
Berbagai Faktor Penentu Kesiapan Untuk Berubah Dan Pengaruhnya Terhadap Keberlangsungan Kegiatan UMKM Di Wilayah Terdampak Wabah Covid-19 决定是否要改变的因素及其对Covid-19疫情爆发地区UMKM活动的影响
Capital: Jurnal Ekonomi dan Manajemen Pub Date : 2020-09-01 DOI: 10.25273/capital.v4i1.7368
Agus Prianto, Ira Kurniawati, Moh. Taufik Wahyudi, Eva Yulistia
{"title":"Berbagai Faktor Penentu Kesiapan Untuk Berubah Dan Pengaruhnya Terhadap Keberlangsungan Kegiatan UMKM Di Wilayah Terdampak Wabah Covid-19","authors":"Agus Prianto, Ira Kurniawati, Moh. Taufik Wahyudi, Eva Yulistia","doi":"10.25273/capital.v4i1.7368","DOIUrl":"https://doi.org/10.25273/capital.v4i1.7368","url":null,"abstract":"<span><em>Currently, real sector business activities are facing severe challenges. The development of ICT and the</em><br /><span><em>emergence of the covid-19 pandemic have led to changes in the business environment. Changes in the</em><br /><span><em>business environment require businesses to adjust by developing new business strategies, so that their</em><br /><span><em>business activities are in line with market demands. This study examines various determinants of</em><br /><span><em>readiness to change and their effect on the continuity of MSME activities in the covid-19 affected areas.</em><br /><span><em>The results of the study revealed that the new values and attitudes of micro business operators did not</em><br /><span><em>support the readiness to change, so they faced the problem of the sustainability of business activities. New</em><br /><span><em>values and attitudes are the main factors that shape readiness to change. While the readiness to change is</em><br /><span><em>an important factor that determines the sustainability of business activities. In addition, this study</em><br /><span><em>revealed that the business environment also as a factor forming change readiness and business</em><br /><span><em>continuity. This research recommends the importance of strengthening new values and attitudes for,</em><br /><span><em>especially for micro business people; so that they are better prepared to face a change. Future studies</em><br /><span><em>need to examine the effect of sudden environmental changes on the sustainability of business activities.</em></span></span></span></span></span></span></span></span></span></span></span></span><br /><br class=\"Apple-interchange-newline\" /></span>","PeriodicalId":326017,"journal":{"name":"Capital: Jurnal Ekonomi dan Manajemen","volume":"81 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121884945","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
Berbagai Faktor Penentu Kesiapan Untuk Berubah Dan Pengaruhnya Terhadap Keberlangsungan Kegiatan UMKM Di Wilayah Terdamak Wabah Covid-19 决定是否要改变的因素及其对Covid-19地区UMKM活动的持续影响
Capital: Jurnal Ekonomi dan Manajemen Pub Date : 2020-09-01 DOI: 10.25273/capital.v4i1.7356
Agus Prianto, Ira Kurniawati, Moh. Taufik Wahyudi, Eva Yulistia
{"title":"Berbagai Faktor Penentu Kesiapan Untuk Berubah Dan Pengaruhnya Terhadap Keberlangsungan Kegiatan UMKM Di Wilayah Terdamak Wabah Covid-19","authors":"Agus Prianto, Ira Kurniawati, Moh. Taufik Wahyudi, Eva Yulistia","doi":"10.25273/capital.v4i1.7356","DOIUrl":"https://doi.org/10.25273/capital.v4i1.7356","url":null,"abstract":"Currently, real sector business activities are facing severe challenges. The development of ICT and the emergence of the covid-19 pandemic have led to changes in the business environment. Changes in the business environment require businesses to adjust by developing new business strategies, so that their business activities are in line with market demands. This study examines various determinants of readiness to change and their effect on the continuity of MSME activities in the covid-19 affected areas. The results of the study revealed that the new values and attitudes of micro business operators did not support the readiness to change, so they faced the problem of the sustainability of business activities. New values and attitudes are the main factors that shape readiness to change. While the readiness to change is an important factor that determines the sustainability of business activities. In addition, this study revealed that the business environment also as a factor forming change readiness and business continuity. This research recommends the importance of strengthening new values and attitudes for, especially for micro business people; so that they are better prepared to face a change. Future studies need to examine the effect of sudden environmental changes on the sustainability of business activities.Keyword:new values and attitudes, business environment climate, readiness to change, business continuity.","PeriodicalId":326017,"journal":{"name":"Capital: Jurnal Ekonomi dan Manajemen","volume":"22 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126301975","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
Strategi Bersaing Perusahaan Taksi Dalam Menghadapi Perubahan Lingkungan 出租车公司应对环境变化的竞争策略
Capital: Jurnal Ekonomi dan Manajemen Pub Date : 2019-09-05 DOI: 10.25273/capital.v3i1.5060
A. Athoillah, M. Firdaus, B. Sanim
{"title":"Strategi Bersaing Perusahaan Taksi Dalam Menghadapi Perubahan Lingkungan","authors":"A. Athoillah, M. Firdaus, B. Sanim","doi":"10.25273/capital.v3i1.5060","DOIUrl":"https://doi.org/10.25273/capital.v3i1.5060","url":null,"abstract":"This study aimed to analyze the satisfaction of taxi passengers, analyze the internal and external factors in PT A and formulate the competitive strategy with conventional taxi competitor and online taxi companies. The scope og this research is specifically focused on the competitive staretgy at strategic business unit level. This study is uses quantitative and quantitative descriptive approach. Data analysis techniques used are porter five score model, IFE, EFE, IE and QSPM. The results of this study on the analysis of IFE, PT A shows that the highest strength is on a strong, strategic distribution network of taxi in big cities. Meanwhile, the highest threat is standardization of tariff, number of taxi, and minimum identify of online taxi. Furthermore, IE matrix analysis shows that PT A is in quadrant I (grow and build strategy). The decision making stage with QSPM matrix has the order of strategic prority as follows: forward integration, backward integration, horizontal integration, product development, market penetration, and market development.Keywords: EFE, IFE, IPA, QSPM, competitive strategy","PeriodicalId":326017,"journal":{"name":"Capital: Jurnal Ekonomi dan Manajemen","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128750269","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
Analisis Niat Konsumen Menggunakan M Payment 使用M Payment分析消费者意向
Capital: Jurnal Ekonomi dan Manajemen Pub Date : 2019-09-05 DOI: 10.25273/capital.v3i1.5064
Aglis Andhita Hatmawan
{"title":"Analisis Niat Konsumen Menggunakan M Payment","authors":"Aglis Andhita Hatmawan","doi":"10.25273/capital.v3i1.5064","DOIUrl":"https://doi.org/10.25273/capital.v3i1.5064","url":null,"abstract":"Penelitian ini bertujan untuk melakukan analisis pengaruh persepsi kemudahan dan referensi kelompok dalam niat menggunakan M payment dengan gender sebagai variabel moderasi. Data dianalisis menggunakan Structural Equation Modeling (SEM) pada 186 responden. Temuan dalam penelitian ini adalah bahwa niat menggunakan M paymen di pengaruhi oleh persepsi kemudahan dan referensi kelompok. Hasil penelitian ini juga mengidentifikasi dua model yang berbeda dalam penggunaan M payment. Yang mana pria lebih ddidominasi oleh kemudahan didalam penggunaan layanan dibandingkan wanita, sedangkan pada wanita didominasi oleh referensi kelompok dalam penggunaan M paymentKata Kunci: Kata Kunci : Mobile Payment, Gender, TAM","PeriodicalId":326017,"journal":{"name":"Capital: Jurnal Ekonomi dan Manajemen","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116036166","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 4
Peran Bank Indonesia Terhadap Sustainability Pengrajin Batik “Canting Mas” Kota Tegal 印尼银行对泰加尔市蜡染工匠可持续发展的作用
Capital: Jurnal Ekonomi dan Manajemen Pub Date : 2019-09-05 DOI: 10.25273/capital.v3i1.5065
Maulida Dwi Kartikasari
{"title":"Peran Bank Indonesia Terhadap Sustainability Pengrajin Batik “Canting Mas” Kota Tegal","authors":"Maulida Dwi Kartikasari","doi":"10.25273/capital.v3i1.5065","DOIUrl":"https://doi.org/10.25273/capital.v3i1.5065","url":null,"abstract":"Penelitian ini bertujuan untuk mengetahui peran dan kontribusi Bank Indonesia terhadap kelangsungan usaha pengrajin Batik Tegalan “Canting Emas”. Peran dan kontribusi tersebut dalam mempertahankan sustainability tersebut meliputi bidang pemasarandan sumber daya manusia. Pengembangan dan pemberdayaan UMKM (Usaha Mikro Kecil dan Menengah) akan selalu melibatkan peran pemerintah, Bank Indonesia dan lembaga-lembaga lainnya yang peduli terhadap kelangsungan usaha UMKM. Metode penelitian yang digunakan dalam penelitian ini adalah metode kualitatif. Teknik yang digunakan dalam pengumpulan data adalah indepth interview yaitu wawancara langsung kepada narasumber yang dalam hal ini adalah pendiri usaha batik “Canting Emas”. Hasil penelitian ini menjukkan bahwa Bank Indonesia memberikan berperan dalam bidang pemasaran kepada pengrajin batik “Canting Emas” dengan seringnya memberikan informasi mengenai penyelenggaraan pameran UMKM khususnya batik. Selain informasi pihak Bank Indonesia juga memfasilitasi biaya akomodasi pada saat mengikuti pameran baik di dalam kota maupun luar kota. Pada bidang sumber daya manusia, Bank Indonesia juga memberikan pelatihan membatik dengan mengundang narasumber selaku pembatik Pekalongan berpengalaman bernama Mustar Sidik. Adanya informasi dan pelatihan diharapakan dapat memperkuat pengrajin batik “Canting Mas” dalam menghadapi persaingan UMKM yang lain. Peran lainnya adalah berupaq bantuan teknis yang diberikan oleh Bank Indonesia berupa kain mori dan lilin berkualitas tinggi. Adanya kontribusi tersebut pada pengrajin “ Canting Mas” menciptakan rasa optimis karena usahanya diberi dukungan oleh pemerintah, dengan demikian mampu mempertahankan kelangsungan usaha batik “Canting Mas”Kata Kunci: sustainability, pemasaran, pelatihan","PeriodicalId":326017,"journal":{"name":"Capital: Jurnal Ekonomi dan Manajemen","volume":"74 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115071473","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
EFFECT of COMPETENCE, WORK PLACEMENT and ACHIEVEMENT on CAREER DEVELOPMENT (Study at BPN Madiun Municipality ) 胜任力、工作安排和成就对职业发展的影响(在马迪翁市BPN的研究)
Capital: Jurnal Ekonomi dan Manajemen Pub Date : 2019-09-05 DOI: 10.25273/capital.v3i1.5062
Tatik Mulyati, Saras B. Utami
{"title":"EFFECT of COMPETENCE, WORK PLACEMENT and ACHIEVEMENT on CAREER DEVELOPMENT (Study at BPN Madiun Municipality )","authors":"Tatik Mulyati, Saras B. Utami","doi":"10.25273/capital.v3i1.5062","DOIUrl":"https://doi.org/10.25273/capital.v3i1.5062","url":null,"abstract":"The success of the organization in achieving its goals is supported by internal and external factors. To realize employee career development, the internal side must first receive attention. This study aims to determine the effect of competence, work placement and performance on the career development of employees of the National Land Agency (BPN) of Madiun City.The research method used is quantitative descriptive. The data used are primary data through questionnaires and secondary data. The population in this study were all permanent employees of 40 people. The research variable consists of independent variables, namely competence, work placement and performance, and the dependent variable is employee career development. Variables measured by Likert scale and data analysis techniques using multiple linear regression. Hypothesis testing uses t test and F test. The results of the study concluded that: 1) Competence affects employee career development; 2) Job placement does not affect employee career development; 3) Performance affects the career development of BPN employees in Kota Madiun.Keywords: competence, work placement, work performance, career development","PeriodicalId":326017,"journal":{"name":"Capital: Jurnal Ekonomi dan Manajemen","volume":"233 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114231482","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 5
PENGARUH DAR, DER DAN TATA KELOLA PERUSAHAAN TERHADAP KINERJA KEUANGAN PERUSAHAAN FARMASI DAR、DER和公司治理对制药公司财务业绩的影响
Capital: Jurnal Ekonomi dan Manajemen Pub Date : 2019-09-05 DOI: 10.25273/capital.v3i1.5061
Riesta Chahya Agustina, A. Santosa
{"title":"PENGARUH DAR, DER DAN TATA KELOLA PERUSAHAAN TERHADAP KINERJA KEUANGAN PERUSAHAAN FARMASI","authors":"Riesta Chahya Agustina, A. Santosa","doi":"10.25273/capital.v3i1.5061","DOIUrl":"https://doi.org/10.25273/capital.v3i1.5061","url":null,"abstract":"This study aims to determine the effect of debt to asset ratio, debt to equity ratio and corporate governance on financial performance in pharmaceutical sub-manufacturing manufacturing companies listed on the Indonesia Stock Exchange for the period 2013-2017. The type of research used is quantitative research. The population in this study were all Pharmaceutical Manufacturing Sub-Sector Companies listed on the Indonesia Stock Exchange totaling 10 companies, while the sample for this study amounted to 8 Pharmaceutical Companies. The data collection technique in this study is to use documentation and literature study techniques. The results show, 1) debt to asset ratio does not significantly influence financial performance, 2) debt to equity ratio has a significant effect on financial performance, 3) corporate governance has a significant effect on financial performance, 4) debt to asset ratio, debt to equity ratio and corporate governance simultaneously have a significant effect on financial performance. the coefficient of determination (R2) obtained is 0.637, meaning that the ability of the independent variable to describe the dependent variable is 63.7%, while the rest (100% - 63.7% = 36.3%). 36.3% are described by other factors outside the variables in the regression equation.Keywords: Leverage Ratio, Debt to Asset Ratio, Debt to Equity Ratio, Corporate Governance, Financial Performance","PeriodicalId":326017,"journal":{"name":"Capital: Jurnal Ekonomi dan Manajemen","volume":"7 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128506517","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 8
FAKTOR UTAMA YANG MEMPENGARUHI NASABAH DALAM MENGAMBIL KREDIT DI BANK PERKREDITAN RAKYAT (BPR) KOTA KEDIRI 影响消费者在KEDIRI城市信贷银行(BPR)信用额度的一个主要因素
Capital: Jurnal Ekonomi dan Manajemen Pub Date : 2019-09-05 DOI: 10.25273/capital.v3i1.5063
Edy Djoko Soeprajitno, W. Setyawan, Dhiyan Septa Wihara
{"title":"FAKTOR UTAMA YANG MEMPENGARUHI NASABAH DALAM MENGAMBIL KREDIT DI BANK PERKREDITAN RAKYAT (BPR) KOTA KEDIRI","authors":"Edy Djoko Soeprajitno, W. Setyawan, Dhiyan Septa Wihara","doi":"10.25273/capital.v3i1.5063","DOIUrl":"https://doi.org/10.25273/capital.v3i1.5063","url":null,"abstract":"One of the objectives of credit is to move the wheels of the regional economy. Especially for the small and medium enterprises (SMEs) trade and micro sector, which is now booming because it can improve the household economy. Various financial institutions offer various types of loans with attractive facilities and according to the needs of the target market. Therefore, today's society is demanded to be smart in accessing credit at bank financial institutions. Including the People's Credit Bank (BPR) Kota Kediri which also competes in offering loans that are in accordance with the wishes of the people in the Kediri region and its surroundings. The sample used in this study amounted to 97 customers. This study uses a quantitative approach with factor analysis techniques using principal component analysis (PCA). The result is that there are six groups of factors that influence customers in taking credit with a cumulative diversity value of 59,671. Factor I consists of variations in time period, loan nominal and service has an eigenvalue of 2.935 and total diversity value of 18.343%. Factor II consisted of reasons for interest rates, repayment deductions and requirements having an eigenvalue of 1.590 and a total diversity of 9.936%. Factor III consisted of variations in interest rates and flexible time periods having eigenvalues of 1.552 and total diversity of 9.701%. Factor IV consists of a credit process and the service schedule has an eigenvalue of 1.2282 and a total diversity of 8.014. Factor V consists of loans as needed and flexible guarantees have an eigen value of 1.165 and a total diversity of 7.284. Factor VI is a lack of requirements following with an eigen value of 1.023 and a total diversity of 6.394.Key words : Decision on taking credit, Factor Analysis, BPR in Kediri City","PeriodicalId":326017,"journal":{"name":"Capital: Jurnal Ekonomi dan Manajemen","volume":"136 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122778506","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
0
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
确定
请完成安全验证×
相关产品
×
本文献相关产品
联系我们:info@booksci.cn Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。 Copyright © 2023 布克学术 All rights reserved.
京ICP备2023020795号-1
ghs 京公网安备 11010802042870号
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术官方微信