Article Per Year (5 Year)
p-Index From 2020 - 2025
0.444
P-Index
This Author published in this journals
All Journal JURNAL EKSBIS Jurnal STEI Ekonomi Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Ruswaji Ruswaji
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENGAMBILAN KEPUTUSAN PEMBERIAN KREDIT PADA PD. BPR. BANK DAERAH LAMONGAN Nidia Roudhotul Nur Jannah; Pudiastiono Pudiastiono; Ruswaji Ruswaji
JURNAL EKBIS Vol 19, No 2 (2018): Jurnal Ekbis : Analisis,Prediksi dan Informasi
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (212.222 KB) | DOI: 10.30736/ekbis.v19i2.173

Abstract

Dunia perbankan merupakan salah satu lembaga keuangan yang mempunyai nilai strategis dalam kehidupan perekonomian suatu negara. Bank sebagai lembaga keuangan juga bekerja berdasarkan kepercayaan masyarakat. Berdasarkan uraian di atas, penulis mengangkat masalah dalam penelitian ini adalah analisis faktor Character, Capacity, Capital, Collateral, Condition Of. Economy, Constraints dalam pemberian kredit PD. BPR. Bank Daerah Lamongan. Dalam analisis data, penulis menggunakan metode survey. Hasil analisa datanya :menentukan metode uji validitas : variabel bebas dan terikat nilai Sig (2-tailed) < p = 0.05 ,uji reliabilitas : nilai alpha variable bebasnya lebih besar dari 0,6 dengan tingkat signifikan α = 5 % sehingga dapat disimpulkan bahwa instrumen dalam variabel bebas dan terikatnya realibel ,regresi linier berganda : Y = 9,188 + 0,075X1 + 0,484X2 + 0,682X3 + 0,269X4 + 0,695X5 + 0,958X6,koefisien korelasi : (R) sebesar 0,486 ,koefisien determinasi : variable bebas terhadap variable terikatnya sebesar 0,237 % ,uji t nya variable constraints adalah berpengaruh yang tidak signifikan. Dari analisa statistik yang dilakukan dapat diambil suatu kesimpulan. Analisis faktor 6C yang mempengaruhi pemberian kredit pada PD. BPR. Bank Daerah Lamongan masuk dalam kategori baik. Faktor 6C berpengaruh yang signifikan terhadap pengambilan keputusan dalam memberikan kredit pada PD. BPR. Bank Daerah Lamongan. Faktor Constraints yang paling berpengaruh terhadap pemberian kredit pada PD. BPR. Bank Daerah Lamongan.
Analysis of Factors Affecting The Interest of Using Financial Technology (Fintech) Abid Muhtarom; Inka Alda Putri Wahyulicha; Evi Fitrotun Najiah; Ruswaji Ruswaji; Lilik Nurkholidah; Uzlifatul Masruroh Isnawati; Luluk Nur Azizah
Jurnal Ekonomi Vol 29 No 02 (2020): [Jurnal STEI Ekonomi - JEMI] Vol. 29 No. 02 (Desember - 2020)
Publisher : Bagian Pengelolaan Jurnal dan Penerbitan - Sekolah Tinggi Ilmu Ekonomi Indonesia (BPJP - STIE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36406/jemi.v29i2.284

Abstract

- Research has been conducted on the perception of usability, the perception of the speech, the perception of comfort, risk and confidence in the interest in using financial technology in the economics Faculty of Islamic University of Lamongan. This research aims to know the perception of usability, perception of the speech, perception of comfort, risk and confidence in the interest of using financial technology in economics Faculty of Islamic University of Lamongan. This study used quantitative approach using Survey research type. The sampling technique used is purposive sampling, the population in this research is the economics faculty student of the Islamic University of Lamongan school year 2019-2020, So that the selected sample as much as 95 students were counted from the Slovin formula. The analysis is done by spreading a poll or questionnaire online then conducted partial and simultaneous tests using independent sample T-Test with significant value 0,05. A partial test has been performed and produced tCount Greater than the ttable (X1 = 1,466<1,66216. X2 = 0,819>1,66216. X3 = 1,150<1,66216, X4 = -0,556<1,66216, X5 = 3,446<1,66216). So it can be known that the perception of usability, perception of benefits, perception of comfort, and risk does not have the influence of inopportune interest in using financial technology while the trust variable has partial influence on interest Using financial technology. And simultaneous testing has been conducted, produced FCount Greater than the Ftable (10,853>2,32). So it can be known that the perception of usability, the perception of ease, perception of comfort, risk and trust have a simultaneous influence on interest in using financial technology.
Pengaruh Harga, Promosi dan Kemudahan Pembayaran terhadap Keputusan Pembelian di Marketplace Shopee : Kasus pada Pengguna E-Commerce Shopee di Kecamatan Tikung Kabupaten Lamongan Erwin Hamed; Ruswaji Ruswaji
Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Vol. 4 No. 3 (2025): Jurnal Ekonomi, Manajemen Pariwisata Dan Perhotelan
Publisher : Lembaga Pengembangan Kinerja Dosen

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

Abstract

The advancement of digital technology has significantly transformed consumer behavior, particularly in purchasing activities through e-commerce platforms. Shopee, as one of the leading marketplaces in Indonesia, has successfully attracted consumer interest through various marketing strategies. This study aims to analyze the influence of price, promotion, and ease of payment on purchasing decisions among Shopee users in Tikung District, Lamongan Regency. The research employs a quantitative method with data collected through questionnaires distributed to active Shopee users. The data were analyzed using multiple linear regression tests to examine the partial and simultaneous effects of each variable. The results indicate that price, promotion, and ease of payment all have a positive and significant influence on purchasing decisions, both partially and simultaneously. Among these variables, price is identified as the most dominant factor influencing purchasing decisions. These findings offer valuable insights for business actors in designing effective marketing strategies in the digital era.
Co-Authors Erwin Hamed Evi Fitrotun Najiah Inka Alda Putri Wahyulicha Isnawati, Uzlifatul Masruroh Lilik Nurkholidah Luluk Nur Azizah Muhtarom, Abid Nidia Roudhotul Nur Jannah Pudiastiono Pudiastiono