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Zemafi, Okindy Dheawara
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Humanities Decision Sciences, Operations Research & Management Education Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences

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The Effect of Perceived Risk, Benefit, and Ease of Credit on Credit-Making Decisions Among MSMEs in Sragen Regency Mustofa, Rochman Hadi; Pamungkas, Leonny Noviyana Sakti; Karima, Mutiara; Zemafi, Okindy Dheawara
Journal of International Conference Proceedings Vol 6, No 7 (2023): 2023 ICPM Bali Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i7.2744

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth MSMEs are considered a new economic wheel that can encourage the regional economy to contribute to employment This study aimed to examine the effect of perceived risk, benefits, and ease of credit on taking credit decision-making in MSMEs in the Sragen Regency. Data were collected from as many as 153 respondents who are MSMEs in Sragen Regency using a Likert scale questionnaire. The sampling technique used is random cluster sampling in each sub-district in Sragen Regency. The data analysis includes assumption, multiple linear regression, and hypothesis testing (t-test and F-test). The research results show that the perception of risk, the perception of benefits, and the ease of credit significantly affect the credit-making decisions of MSME actors in the Sragen Regency. This research implies that capital providers need to pay attention to the public's view of the risks, benefits, and convenience of credit by socializing, being more responsive and informative about criticism and suggestions, and providing solutions for MSMEs with financial problems.
The Effect of Perceived Risk, Benefit, and Ease of Credit on Credit-Making Decisions Among MSMEs in Sragen Regency Mustofa, Rochman Hadi; Pamungkas, Leonny Noviyana Sakti; Karima, Mutiara; Zemafi, Okindy Dheawara
Journal of International Conference Proceedings Vol 6, No 7 (2023): 2023 ICPM Bali Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i7.2744

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth MSMEs are considered a new economic wheel that can encourage the regional economy to contribute to employment This study aimed to examine the effect of perceived risk, benefits, and ease of credit on taking credit decision-making in MSMEs in the Sragen Regency. Data were collected from as many as 153 respondents who are MSMEs in Sragen Regency using a Likert scale questionnaire. The sampling technique used is random cluster sampling in each sub-district in Sragen Regency. The data analysis includes assumption, multiple linear regression, and hypothesis testing (t-test and F-test). The research results show that the perception of risk, the perception of benefits, and the ease of credit significantly affect the credit-making decisions of MSME actors in the Sragen Regency. This research implies that capital providers need to pay attention to the public's view of the risks, benefits, and convenience of credit by socializing, being more responsive and informative about criticism and suggestions, and providing solutions for MSMEs with financial problems.
Influence of Green Consumer Behavior with Stimulus Organism Response (SOR) Model Analysis in Indonesian Coffeeshops Zemafi, Okindy Dheawara; Haryono, Tulus
Proceedings International Conference on Education Innovation and Social Science 2024: Proceedings International Conference on Education Innovation and Social Science
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research investigates the impact of green marketing stimulus factors on purchasing decisions for Starbucks Indonesia products, focusing on the mediating effect of perceived value. By the SOR conceptual model, 104 respondents participated in the questionnaire survey and then the data was processed using SmartPLS SEM. This research shows that the mediating of perceived value is the most important to ensure customers' sustainable orientation towards environmentally friendly products. These findings show (a) green brand image and environmental awareness have a positive effect on perceived value; (b) there is no influence of green product price on perceived value; (c) green product price has a positive effect on purchasing decisions and there is no mediating effect of perceived value; and (d) perceived value mediates green brand image and environmental impact on purchasing decisions for Starbucks Indonesia products. This research has significant implications for understanding the market for environmentally friendly products and for companies to develop new strategies in marketing their products. This study also encourages policy makers to pay attention to the importance of environmental management and the commitment to sustainability required of entrepreneurs.
Co-Authors Karima, Mutiara Mustofa, Rochman Hadi Pamungkas, Leonny Noviyana Sakti Tulus Haryono, Tulus