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All Journal Indonesian Journal of Educational Development (IJED) Journal of International Conference Proceedings
Karima, Mutiara
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Humanities Decision Sciences, Operations Research & Management Education Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media

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The Effect of Perceived Risk, Benefit, and Ease of Credit on Credit-Making Decisions Among MSMEs in Sragen Regency Mustofa, Rochman Hadi; Pamungkas, Leonny Noviyana Sakti; Karima, Mutiara; Zemafi, Okindy Dheawara
Journal of International Conference Proceedings Vol 6, No 7 (2023): 2023 ICPM Bali Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i7.2744

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth MSMEs are considered a new economic wheel that can encourage the regional economy to contribute to employment This study aimed to examine the effect of perceived risk, benefits, and ease of credit on taking credit decision-making in MSMEs in the Sragen Regency. Data were collected from as many as 153 respondents who are MSMEs in Sragen Regency using a Likert scale questionnaire. The sampling technique used is random cluster sampling in each sub-district in Sragen Regency. The data analysis includes assumption, multiple linear regression, and hypothesis testing (t-test and F-test). The research results show that the perception of risk, the perception of benefits, and the ease of credit significantly affect the credit-making decisions of MSME actors in the Sragen Regency. This research implies that capital providers need to pay attention to the public's view of the risks, benefits, and convenience of credit by socializing, being more responsive and informative about criticism and suggestions, and providing solutions for MSMEs with financial problems.
The Effect of Perceived Risk, Benefit, and Ease of Credit on Credit-Making Decisions Among MSMEs in Sragen Regency Mustofa, Rochman Hadi; Pamungkas, Leonny Noviyana Sakti; Karima, Mutiara; Zemafi, Okindy Dheawara
Journal of International Conference Proceedings Vol 6, No 7 (2023): 2023 ICPM Bali Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i7.2744

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth MSMEs are considered a new economic wheel that can encourage the regional economy to contribute to employment This study aimed to examine the effect of perceived risk, benefits, and ease of credit on taking credit decision-making in MSMEs in the Sragen Regency. Data were collected from as many as 153 respondents who are MSMEs in Sragen Regency using a Likert scale questionnaire. The sampling technique used is random cluster sampling in each sub-district in Sragen Regency. The data analysis includes assumption, multiple linear regression, and hypothesis testing (t-test and F-test). The research results show that the perception of risk, the perception of benefits, and the ease of credit significantly affect the credit-making decisions of MSME actors in the Sragen Regency. This research implies that capital providers need to pay attention to the public's view of the risks, benefits, and convenience of credit by socializing, being more responsive and informative about criticism and suggestions, and providing solutions for MSMEs with financial problems.
Pentagon fraud dimensions effects on students’ academic dishonesty in online-based learning at vocational high schools Jatmika, Surya; Karima, Mutiara; Pertiwi, Puspita; Martama, Happy
Indonesian Journal of Educational Development (IJED) Vol. 6 No. 1 (2025): May 2025
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM) Universitas PGRI Mahadewa Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59672/ijed.v6i1.4639

Abstract

Academic dishonesty is one of the fraud behaviours in education institutions caused by several factors. This study aimed to determine the influences of the pentagon fraud dimensions (pressure, opportunity, rationalizsation, ability, and arrogance) on academic dishonesty in online Accounting learning at SMK Business and Management in Sukoharjo Regency. This research applied a quantitative approach with a causal-comparative research design. The sample included randomly selected 115 Grade XI students of Accounting and Financial Institutions at SMK Negeri 6 Sukoharjo and SMK Muhammadiyah Watukelir Sukoharjo. The data were collected using questionnaires and analysed using nonparametric statistics with the Kruskal-Wallis test. Based on the results of the Kruskal-Wallis test, the opportunity variable has an Asymp. Sig. value of 0.001, rationalisation of 0.043, ability of 0.006, and arrogance of 0.002. These values ​​are smaller than the significance level of 0.05, so Ha is accepted. While the pressure value of 0.573 is greater than 0.05. The results of the study indicate that academic dishonesty in online Accounting learning at SMK Bisnis dan Manajemen Sukoharjo Regency, when viewed from the Fraud Pentagon dimension, is influenced by the opportunity, rationalisation, ability, and arrogance variables, but is not influenced by the pressure variable. In an effort to lower academic dishonesty, schools should implement stronger controls to minimise the chances of cheating, provide ethics training to combat rationalisation, enhance students' capabilities through study aid, and foster a culture of integrity in order to surmount arrogance.
Co-Authors Martama, Happy Mustofa, Rochman Hadi Pamungkas, Leonny Noviyana Sakti Pertiwi, Puspita Surya Jatmika Zemafi, Okindy Dheawara