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PENGARUH TINGKAT SUKU BUNGA DAN KUALITAS LAYANAN TERHADAP PENYALURAN KREDIT PADA PT BPR NUSUMMA JATIM CABANG JOMBANG Ita Rahmawati; Lailatus Sa’adah; Yunaidah Yunaidah
Economicus : Jurnal Ekonomi dan Manajemen Vol. 13 No. 1 (2022): Desember: Economicus : Jurnal Ekonomi dan Manajemen
Publisher : Institut Teknologi dan Bisnis Dewantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47860/economicus.v13i1.59

Abstract

The variety of interest rates offered allows customers to choose to take banking credit then the good quality of service by the bank will give customers consideration in taking credit. The objectives of the study are (1) To find out and explain the effect of interest rates on lending, (2) To find out and explain the effect of service quality on lending, (3) To determine the effect of interest rates and service quality together on lending. The approach of this research is to use quantitative methods. The sample taken was 109 customers of PT BPR Nusumma Jatim Jombang Branch. The results showed that (1) There is no effect of interest rates on lending, (2) There is an influence of service quality on lending, (3) There is an influence of interest rates and service quality on lending.
ANALISIS PENGGUNAAN MEDIA SOSIAL DALAM PENGEMBANGAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) Lailatus Sa’adah; Ita Rahmawati; Siti Afiyah
Economicus : Jurnal Ekonomi dan Manajemen Vol. 12 No. 1 (2021): Desember: Economicus : Jurnal Ekonomi dan Manajemen
Publisher : Institut Teknologi dan Bisnis Dewantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47860/economicus.v12i1.82

Abstract

In an increasingly sophisticated era, the development of technology has made major changes in the business world. One of them is on social media which is increasingly developing and facilitating communication. Communication in business is very important. So it is necessary to achieve the existing conveniences and need to be used as well as possible. This form of utilization can be accepted by MSME actors in Indonesia, especially MSMEs in Jombang District. By using the interview method to thoroughly discuss the use of social media in their business, and using supporting questions, the results of the study show that the use of social media can be made to facilitate media promotion, so as to improve the development of MSMEs themselves. The sales rate is getting faster and automatically increases in other aspects of the business. The increase that occurred has made MSME players feel benefited and facilitated by the current sophistication of technology. The positive benefits obtained by MSME players are expanding market networks, facilitating interaction with consumers, and increasing product sales.