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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KREDIT MACET PADA KOPERASI SERBA USAHA (KSU) CREDIT UNION (CU) MITRA CHARITAS DI KELURAHAN WANAGON KABUPATEN MIMIKA Simprosius M. Lanur; Ahmad Tomu
Jurnal Ekonomi dan Bisnis Vol. 2 No. 9 (2025): JEBI: Jurnal Ekonomi dan Bisnis
Publisher : CV. Adiba Aisha Amira

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Abstract

This study aims to determine the factors that influence bad debts in the Multipurpose Cooperative (KSU) Credit Union (CU) Mitra Charitas in Wanagon Village, Mimika Regency. The method used in this study is the associative method. Data collection techniques used in this study are observation and documentation. The analysis tools used in this study are descriptive statistics, Multiple Linear Regression, with data processing techniques using the Classical Assumption test and hypothesis, to analyze data using SPSS 25 Windows Software. The results of the study indicate that the amount of credit disbursed has a positive effect on bad debts, while the number of debtors has a negative effect on bad debts, and interest rates have a positive and insignificant effect on bad debts
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN PELANGGAN DALAM MEMILIH JASA SERVICE KOMPUTER ITSHAN INFOTIKA DI KOTA TIMIKA Faris Rodolfo Nes; Qur Annisa Nurul Pratiwi; Ahmad Tomu
Jurnal Ekonomi dan Bisnis Vol. 3 No. 3 (2025): JEBI: Jurnal Ekonomi dan Bisnis
Publisher : CV. Adiba Aisha Amira

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Abstract

This study aims to determine the factors that influence customer decisions in choosing computer services from Itshan Infotika in Timika. The data collected in this study is qualitative data in the form of statements from customer decisions in the form of questionnaires. The data analysis in this study used multiple linear regression. From the results of the analysis that has been carried out, it was found that service quality, reputation and security are factors that influence customer decisions in choosing Itshan Infotika computer services in Timika city. Thus, the most influential and significant factors are reputation and security.