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All Journal Jurnal Pendidikan Vokasi Raflesia Strata Business Review
Riza Eka Putri
STIE Widyaswara Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Journal : Strata Business Review

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Pengaruh Literasi Keuangan dan Persyaratan Kredit terhadap Minat Meminjam di PT. Permodalan Nasional Madani (PNM) Cabang Sungai Pagu Fuji Mustika; Asmy Febri Tama; Riza Eka Putri
Strata Business Review Vol. 1 No. 1 (2023): May
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/sbr.v1i1.30

Abstract

This study aims: (1) to see an overview of financial literacy, credit requirements and interest in borrowing at PNM. (2) to determine the effect of financial literacy on the interest in borrowing at PNM (3) to determine the effect of credit requirements on the interest in borrowing at PNM. (4) to determine the effect of financial literacy and credit requirements on interest in borrowing at PNM. Data analysis used Multiple Regression Analysis with the computer program SPSS for window 25. The results showed that: (1) financial literacy was in good criteria with an average score of 4.15 and a TCR of 83.1%, credit requirements were in good criteria with an average score of 4.43 and a TCR of 89 %, interest in borrowing is in very good criteria with an average score of 4.52 and a TCR of 90.4%, (2) financial literacy has no significant effect on interest in borrowing in PNM with a significance level (H01) of 0.432 > 0, 05 and t count value of 0.794 < from t table which is 1.990, (3) credit requirements have a significant effect on interest in borrowing at PNM with a significance level (Ha2) of 0.000 <0.05 and t count value of 6.974 > of 1.990, (4 ) financial literacy and credit requirements together have a significant effect on the interest in borrowing at PNM with a significance level (Ha3) of 0.000 <0.05 and an calculated F value of 294.177 > from F table which is 3.12.
Analisis Pengelolaan Keuangan Desa Tahun 2020 di Nagari Pakan Rabaa Timur Kecamatan Koto Parik Gadang Diateh Kabupaten Solok Selatan Indra Pebi Susanto; Netra Surianto; Riza Eka Putri; Zulsantoni Zulsantoni
Strata Business Review Vol. 1 No. 1 (2023): May
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/sbr.v1i1.37

Abstract

This study chose Nagari Pakan Rabaa Timur because it is the best Nagari in terms of budget discipline and improvements towards the future, the purpose of this research is to find out and analyze the suitability of village financial management in 2020 in Nagari Pakan Rabaa Timur with village financial management according to Permendagri No. 20 of 2018. The research method used in this research is descriptive qualitative research. This descriptive approach is used in order to obtain descriptive data in the form of written words from people or samples used as research respondents, qualitative research is used to examine natural object conditions. From the analysis conducted by researchers between practices in Nagari Pakan Rabaa Timur and Permendagri No. 20 of 2018, the 2020 village financial management stage in Nagari Pakan Rabaa Timur has been carried out according to Permendagri No. 20 of 2018 concerning the management of village finances, but all of this still depends on the guidance and instructions of the nagari guardian.
Co-Authors Asmy Febri Tama Fuji Mustika Indra Pebi Susanto Netra Surianto Zulsantoni Zulsantoni