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All Journal Formosa Journal of Sustainable Research (FJSR) J-CEKI
Fransina W. Ballo
Universitas Nusa Cendana Kupang
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Education Industrial & Manufacturing Engineering Social Sciences

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Analysis of Credit Utilization Among Street Vendors in Ruteng City Felisia Saron Tjengga; Fransina W. Ballo; Maria Indriyani Hewe Tiwu
Formosa Journal of Sustainable Research Vol. 2 No. 12 (2023): December, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v2i12.7058

Abstract

The purposive of this research is to determine the use of credit taken by street vendors in Ruteng city which they take from BRI bank and to find out the reasons they take credit from BRI bank. The method for determining the research informants uses a purposive method. The data collection methods used consisted of: interviews, and observations and documents. The data analysis used is descriptive analysis with a qualitative approach. The object of this research is the use of credit by street vendors in the city of Ruteng around the location of the Ruteng Regional Hospital and UNIKA Santu Paulus Ruteng. These utilization interests are divided into 3 interests, namely for production, consumption and investment purposes. First, for production purposes, namely to fulfill and increase business capital for trading, a means to make business activities smoother and business performance better than before, expanding business and work opportunities. Second, for consumption purposes, namely meeting personal consumption needs such as paying children's school fees, house rental costs, house renovation costs. Third, for investment purposes, namely to buy jewelry and buy a motorbike
Pengaruh E-Commerce dan Perilaku Konsumen Terhadap Pola Konsumsi Rumah Tangga Pengguna E-Commerce di Kota Kupang Marselina Marce Sirlian; Fransina W. Ballo; Maria Indriyani H. Tiwu
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 1: Desember 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i1.7245

Abstract

penelitian ini tujuannya adalah untuk menganalisis pengaruh e-commerce dan perilaku konsumen terhadap pola konsumsi rumah tangga pengguna e-commerce di Kota Kupang. Metode survei dengan pendekatan kuantitatif adalah metode yang digunakan dalam penelitian ini. Teknik analisis data yang digunakan adalah uji regresi linear berganda dengan menggunakan program aplikasi SPSS 29.0.2. Hasil penelitian menunjukkan bahwa variabel e-commerce berpengaruh secara signifikan terhadap pola konsumsi rumah tangga pengguna e-commerce di Kota Kupang dan variabel perilaku konsumen juga berpengaruh secara signifikan terhadap pola konsumsi rumah tangga pengguna e-commerce di Kota Kupang, terutama dalam hal peningkatan frekuensi pembelian. Selain itu, faktor kemudahan akses, kenyamanan, promosi yag ditawarkan oleh platform e-commerce turut mendorong perubahan pada pola konsumsi rumah tangga pengguna e-commerce.
Co-Authors Felisia Saron Tjengga Maria Indriyani H. Tiwu Maria Indriyani Hewe Tiwu Marselina Marce Sirlian