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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN UMKM DALAM MEMILIH LEMBAGA KEUANGAN MIKRO SEBAGAI SUMBER PEMBIAYAAN Susi Handayani
JURNAL AKUNTANSI DAN BISNIS : Jurnal Program Studi Akuntansi Vol. 1 No. 2 (2015): November
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jab.v1i2.1726

Abstract

This study aims to examine the behavior of consumers, the factors influencing the selection of microfinance institutions sources of funding for SMEs. The study was conducted because of the difficulty SMEs to access financial institutions, especially the Bank, because a lot of procedures to go through as requirements. What factors are underlying the selection of financial institutions for SME capital sources. This study will determine what factors are the basis for SMEs in choosing a source of financing for their business. The result is expected to be useful for the government and relevant agencies in reviewing procedures and filing system of credit for SMEs. It is very necessary especially for SMEs is the foundation of Indonesia's economy and should be supported to be more sturdy. SME growth will help the government, one of them in terms of employment.Research is associative, because it intends to examine the relationship between the independent variables on the dependent variable. The results showed that simultaneous personal factors, psychological, social and cultural significant effect on the selection of financial institutions. However partially show different things. Partially personal factors influence the consumer's decision, but the factor of psychological, social and cultural decision does not affect the consumer in choosing a financial institution.
Unveiling determinant of student engagement Gustina Siregar; Lila Bismala; Hafsah Hafsah; Susi Handayani; Yayuk Hayulina Manurung; Dewi Andriany; Lailan Safina Hasibuan
Journal of Education and Learning (EduLearn) Vol 17, No 2: May 2023
Publisher : Intelektual Pustaka Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/edulearn.v17i2.20747

Abstract

The purpose of this study was to examine the moderating role of feedback in the influence between lecturer leadership, lecturer engagement, and student engagement. The study was conducted on students at the Universitas Muhammadiyah Sumatera Utara, Indonesia where the number of respondents who filled out the questionnaire was 231 respondents. With structural equation modeling, using SemPLS, a moderation test was conducted to prove the research hypothesis that had been designed. The results of the study show that although feedback affects student engagement, feedback does not act as a moderator in the influence between lecturer leadership, lecturer engagement, and student engagement. Meanwhile, lecturer engagement was found not to affect student engagement, but lecturer engagement significantly affected student engagement. In learning, lecturers must pay attention to feedback and lecturer leadership, if lecturers expect high student engagement. This has implications that lecturers have to provide feedback and practice lecturer leadership in the classroom.
Developing the Students’ Critical Thinking in Management Information System Courses through the Inquiry Method Nunung Agus Firmansyah; Lila Bismala; Yayuk Hayulina Manurung; Hafsah Hafsah; Susi Handayani
Edunesia: Jurnal Ilmiah Pendidikan Vol. 4 No. 2 (2023)
Publisher : research, training and philanthropy institution Natural Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51276/edu.v4i2.435

Abstract

One of the essential abilities expected to be created and grown after students take a specific class is the ability to think critically, which becomes an indicator of learning quality. Critical thinking skills are essential in life, which can be used to solve problems and issues, and will make a lifelong learner. This study aims to analyze the significance of the influence of the implementation of the inquiry method in improving students' critical thinking skills in the Management Information Systems course. The research was conducted on 168 students taking the Management Information Systems course in the Management Studies program at Universitas Muhammadiyah Sumatera Utara, but 113 returned questionnaires. The data analysis technique used is descriptive statistical analysis techniques and simple regression. The results showed a positive and significant effect of implementing the inquiry method on students' critical thinking skills in the management information system course. Meanwhile, the R Square value is 0.642, which means that the influence exerted by the inquiry method in increasing students' critical thinking is 64.2%. This can be used as a recommendation to improve the students' necessary thinking skills.