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All Journal Vokasi: Jurnal Riset Akuntansi Kalianda Halok Gagas Neraca Manajemen, Akuntansi, dan Ekonomi Journal of Innovative and Creativity Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Hwihanus
Universitas 17 Agustus 1945 Surabaya
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Pengaruh Bauran Pemasaran terhadap Keputusan Pengajuan Kredit Nasabah Bank NTT Adrianus Ketmoen; Hwihanus; Maria Imakulata Pongge
Vokasi : Jurnal Riset Akuntansi Vol. 15 No. 1 (2026): Vokasi: Jurnal Riset Akuntansi
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/vjra.v15i1.114284

Abstract

This study analyzes the effect of the marketing mix on customers’ credit application decisions at Bank NTT. The background of this research lies in the fluctuation of credit distribution target achievement during 2018–2022, indicating that the growth in debtors was not consistently followed by the attainment of lending targets. The study applies a quantitative cross-sectional design with 175 respondents selected purposively from Bank NTT customers who had applied for credit. Data were collected through questionnaires and analyzed using descriptive statistics, classical assumption tests, multiple linear regression, t-tests, F-tests, and the coefficient of determination. The results show that customers generally perceive Bank NTT’s marketing mix and credit application decisions as good to very good. Partially, product, price, promotion, people, and physical evidence have a positive and significant effect on credit application decisions. In contrast, place and process have a negative and insignificant effect. Simultaneously, the seven dimensions of the marketing mix significantly affect credit application decisions. The model explains 53.1 percent of the variation in credit application decisions. These findings imply that Bank NTT needs to strengthen product competitiveness, pricing transparency, promotional effectiveness, service quality, and physical evidence while improving process efficiency and branch accessibility.
Identifikasi Risiko dalam Beberapa Kategori di Pendidikan Vokasi Rina Sandora; Hwihanus
Vokasi : Jurnal Riset Akuntansi Vol. 15 No. 1 (2026): Vokasi: Jurnal Riset Akuntansi
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/vjra.v15i1.114724

Abstract

Abstract Economic changes, educational policies, and the changing needs of educators along with technological advances and global demands make educational institutions face challenges in creating flexible and responsive educational strategies to improve the quality of education. This study aims to provide an in-depth understanding of the risks for vocational education in achieving its vision and mission. These challenges can be addressed by implementing risk management in several risk categories. The organization identifies the impact criteria and likelihood of risks on a scale of 1-5, conducts risk input, obtains risk matrices and priorities, creates a risk appetite report, conducts risk management actions, and reports on risk monitoring. The results of the initial risk level with residual risk indicate a decrease in the risk level. The conclusion is that the implementation of risk management can control existing risks due to the mitigation carried out. There are three high risks after risk management becomes moderate risk, low risk and enters the risk appetite and risk tolerance categories.  
Co-Authors Abigaiel. C Lesbasa Adrianus Ketmoen Ari Setyo Wati Dwi Fitrianti Dyah Putri Agustin Febrian Dimas J. Wibowo Ifani Kristiana Greta Calosa KUSUMA WIJAYA Marcella Aullia Jayadi Maria Imakulata Pongge Maria Yovita R. Pandin Naufal Gama Ni Nyoman Padang Cakra Binaraesa Nina Marta Nuryani Karim Raditya Yuniar Alfani Pratama Rina Sandora Surya Bakti Titin Wahyuni Titing Purwanti Tri Ratnawati