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All Journal Jurnal Ekonomika Manajemen Dan Bisnis
Henky Japina
Fakultas Ekonomi, Universitas Asahan
Economics, Econometrics & Finance Education

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Daya Beli Masyarakat Pada Sektor Retail Menjelang Nataru Di Kota Rantauprapat Henky Japina; Syamsinah Sirait; Rosnaida .; Helmina Simanjuntak
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 1 (2025): Januari - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v4i1.2612

Abstract

This study aims to analyze the purchasing power of the community in the retail sector ahead of the Christmas and New Year (NATARU) celebrations in Rantauprapat City by examining the factors influencing purchasing power, including income, product quality, price, and business location. This research is a quantitative study with an explanatory research type, using a sample of 50 respondents who made purchases in the retail sector for NATARU celebrations. The partial results show that income, product quality, and business location have a positive and significant influence on purchasing power, while price has a negative and insignificant effect. Simultaneously, income, product quality, price, and business location have a positive and significant impact on purchasing power. The coefficient of determination value obtained is 78.2%, indicating that variations in purchasing power can be explained by income, product quality, price, and business location, while the remaining 21.8% is influenced by other factors not included in this research model. These findings indicate that increasing income, ensuring good product quality, and having a strategic business location can enhance purchasing power while maintaining competitive pricing to sustain consumer purchasing power.
Analisis Faktor-Faktor Yang Mempengaruhi Kemampuan Pengembalian Kredit Petani Kelapa Sawit Pada PT. Bank Rakyat Indonesia (Persero) di Kecamatan Air Joman Kabupaten Asahan Helmina Simanjuntak; Heni Widiya; Henky Japina
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 1 (2025): Januari - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the factors that influence the ability to repay credit of oil palm farmers at PT. Bank Rakyat Indonesia (Persero) in Air Joman District, Asahan Regency. This study applies a quantitative approach with an associative research method. oil palm farmers who have credit loans at PT. BRI (Persero) in Air Joman District, Asahan Regency using a research sample of 60 people. Data were obtained through observation, questionnaires, and literature studies. Furthermore, data from the questionnaire were analyzed using multiple linear regression methods. The results of the study obtained based on partial tests (t-tests) showed that each factor of living expenses, other loans, financial management, production costs and credit literacy had a positive and significant effect on the ability to repay credit of oil palm farmers at PT. Bank Rakyat Indonesia (Persero) in Air Joman District, Asahan Regency, based on simultaneous tests (F-tests) it was found that the factors of living expenses, other loans, financial management, production costs and credit literacy had a positive and significant effect on the ability to repay credit of oil palm farmers at PT. Bank Rakyat Indonesia (Persero) in Air Joman District, Asahan Regency.
Co-Authors Helmina Simanjuntak Heni Widiya Rosnaida . Syamsinah Sirait