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All Journal Jurnal Akuntansi Barelang Jurnal Penelitian Pendidikan Indonesia
Tobing, Vargo Christian L
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Economics, Econometrics & Finance Other

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Loan interest rates, credit guarantees, and lifestyle on credit making decisions at financing companies Herman, Hendri; Tobing, Vargo Christian L; Fadlilah, Andi Hidayatul; Shaddiq, Syahrial; Bahit, Muhammad
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol. 9 No. 4 (2023): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020233113

Abstract

Loan interest rates play a pivotal role in the borrowing and lending process. They impact the affordability of loans for borrowers, the profitability and risk management for lenders, and are influenced by economic conditions and regulations. Before taking out any loan, it's important to carefully consider the interest rate and its implications for financial situation.This research aims to look at the effect of credit interest rates and credit guarantees on credit-making decisions on financing companies in Batam. This research is a quantitative descriptive study with the distribution of questionnaires to respondents who apply for credit at finance companies at random with a total of 96 responden. From the results of the study, it was obtained that credit rates have a significant effect on credit decision-making, credit guarantees have a significant effect on credit decisions, lifestyle has an insignificant effect on credit-making decisions,and credit interest rates, credit guarantees. and lifestyle simultaneously have a significant effect on credit-making decisions. This research is expected to contribute to the community to be more thorough about the advantages and disadvantages of buying goods on credit. The conclusion is that interest rates and credit guarantees significantly influence credit, and business actors can take even better policies related to interest rates and credit guarantees.
PENGARUH MODAL MINIMAL, PELATIHAN PASAR MODAL DAN RISIKO INVESTASI TERHADAP MINAT INVESTASI MAHASISWA DI KOTA BATAM Windyarini, Nurika Putri; Tobing, Vargo Christian L
JURNAL AKUNTANSI BARELANG Vol 10 No 1 (2025): Jurnal Akuntansi Barelang
Publisher : LPPM Universitas Putera Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33884/jab.v10i1.10164

Abstract

This study aims to determine the influence of minimum capital, capital market training, and investment risk on the investment interest of accounting students in Batam City. The background of this research is based on the low level of student participation in investment, despite the increasing opportunities in the capital market due to easier access and low initial capital requirements. This research employs a quantitative approach using a survey method. The sampling technique used is simple random sampling, with a total of 95 student respondents from five universities in Batam City. Data were collected through questionnaires developed based on indicators of each variable, and then analyzed using SPSS version 31. The results show that minimum capital has no significant effect on investment interest. Capital market training also does not have a significant effect on investment interest. However, investment risk has a positive and significant effect on investment interest. Simultaneously, the three variables have a significant influence on students' investment interest. The Adjusted R Square value of 0.116 indicates that the independent variables in this study explain 11.6% of the variation in investment interest, while the remaining percentage is influenced by other factors outside the research model.
Co-Authors Andi Hidayatul Fadlilah Hendri Herman Muhammad Bahit Syahrial Shaddiq Windyarini, Nurika Putri