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All Journal Jurnal Manajemen & Keuangan Jurnal Samudra Ekonomi dan Bisnis Prosiding Seminar Nasional Universitas Serambi Mekkah SI-MEN (AKUNTANSI & MANAJEMEN) STIES Jurnal Serambi Ekonomi dan Bisnis Proceeding of International Conference on Entrepreneurship (IConEnt)
Zenitha Maulida
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Agriculture, Biological Sciences & Forestry Astronomy Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Environmental Science Mechanical Engineering Other

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Pengaruh Edukasi Keuangan melalui Kebijakan Program Keuangan Inklusif terhadap Pencegahan Non Performing Loan pada Kredit Usaha Mikro di Kota Banda Aceh Rita Nengsih; Zenitha Maulida; Ridha Ansari
Jurnal Serambi Ekonomi dan Bisnis Vol 4, No 2 (2017): August
Publisher : Universitas Serambi Mekkah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32672/jseb.v4i2.654

Abstract

The objective of this research to describe how the financial education through inclusive program policy that developed by Bank Indonesia to the microfinance institution effected to prevent non performing loan (NPL) or usually mention as bad credit. The research did in formal microfinance institutions in Banda Aceh area, that focused on distribution micro credit to small business and did the financial education. The research data collected through primary data and secondary data. Primary data obtained from direct interview to micro credit bank staff and the secondary data obtained from the annual report bank in 2012 to 2014. Financial education to client is a part of services by micro finance institution. Financial education can prevent the small business from bankrupt and can be developed their business with the planning and a good financial management. The financial inclusive policy that developed by Bank Indonesia expected to decrease and prevent NPL. The result of the research showed that the overall NPL bank ratio in Banda Aceh area decreased every years. It means that the financial bank performances to decrease NPL micro credit are better. It can be concluded that the financial education on financial inclusive program did by bank to debtor affected to NPL micro credit ratio. In addition there are others factors outside the research influencing NPL micro credit ratio, such as government policy, Bank Indonesia policy and the economic condition of the country.
The Effect of Discounts and Trust on Purchase Decisions in Live Steraming Sales og The Tiktokshop Application in Banda Aceh Zenitha Maulida; Farah Ivana; Nurbismi; Indra Kesuma
Proceedings of the International Conference on Entrepreneurship (IConEnt) Vol. 5 (2025): Proceedings of the 5th International Conference on Entrepreneurship (IConEnt)
Publisher : Universitas Pelita Harapan

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Abstract

Purchasing products online makes it easier to shop without wasting a lot of time and energy. One innovation in this industry is the live streaming feature offered by the TikTok application, namely Tiktokshop, which allows sellers to interact directly with buyers in real-time. This study aims to analyze the influence of discounts and trust on purchasing decisions during live streaming on the TikTok application in Banda Aceh. This study uses a quantitative approach. The data collection technique was carried out by distributing questionnaires to a sample of 200 respondents. The sampling method in this study used purposive sampling. The data analysis method used is multiple linear regression analysis. The results show that the variables of discounts and trust have a positive and significant effect on purchasing decisions during live streaming sales on the TikTok application in Banda Aceh.
The Effect of Discounts and Trust on Purchase Decisions in Live Steraming Sales og The Tiktokshop Application in Banda Aceh Zenitha Maulida; Farah Ivana; Nurbismi; Indra Kesuma
Proceedings of the International Conference on Entrepreneurship (IConEnt) Vol. 5 (2025): Proceedings of the 5th International Conference on Entrepreneurship (IConEnt)
Publisher : Universitas Pelita Harapan

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

Abstract

Purchasing products online makes it easier to shop without wasting a lot of time and energy. One innovation in this industry is the live streaming feature offered by the TikTok application, namely Tiktokshop, which allows sellers to interact directly with buyers in real-time. This study aims to analyze the influence of discounts and trust on purchasing decisions during live streaming on the TikTok application in Banda Aceh. This study uses a quantitative approach. The data collection technique was carried out by distributing questionnaires to a sample of 200 respondents. The sampling method in this study used purposive sampling. The data analysis method used is multiple linear regression analysis. The results show that the variables of discounts and trust have a positive and significant effect on purchasing decisions during live streaming sales on the TikTok application in Banda Aceh.
Co-Authors Al Munawar Al Munawar Dewi rosa indah Dewi Rosa Indah Fahada Elvina Farah Ivana Fitria Fitria Indra Kesuma Iza Afalia Maksalmina Maksalmina Muhammad Ikbal Nurbismi Nurbismi Nurbismi Ridha Ansari Rita Nengsih Rita Nengsih Sufitrayati Sufitrayati Suri Amalia Syarifah Mauli Masyitah Teuku Furqansyah Yahya Kobat Yusni Hervy Yusuf