Article Per Year (5 Year)
p-Index From 2020 - 2025
0.408
P-Index
This Author published in this journals
All Journal AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Febriana, Indah Karima
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Analisis Pengaruh Pemberian Kredit Usaha Rakyat (KUR) PT Pegadaian terhadap Peningkatan Pendapatan Nasabah Fahrudin, Fahrudin; Qomariyah, Nurul Ulfa; Febriana, Indah Karima; Fitriyah, Fitriyah
AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Vol. 5 No. 1 (2025): AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmeb.v5i1.1194

Abstract

This study analyzes the impact of the Credit for People’s Business (KUR) provided by PT Pegadaian on increasing the income of micro, small, and medium enterprises (MSMEs). KUR aims to provide working capital with low-interest rates to improve the welfare of customers. The study aims to identify the effects of KUR on customers' income, the factors supporting and hindering the effectiveness of the program, and the income differences before and after receiving KUR. The research uses a qualitative approach with a descriptive design, collecting data through observation, interviews, and documentation with purposive sampling technique. The results show that KUR has increased customers' income by 20-40%. The funds are used to expand business scale and reach broader markets. Key supporting factors include low interest rates and ease of access, while main challenges include low financial literacy and limited access in remote areas. The study concludes that KUR effectively increases income, but improvements in financial literacy and infrastructure are needed for broader impact.
Pengaruh Marketing Mix terhadap Keputusan Pembelian di Toko Anik Grosir Hamzah, Muh; Febriana, Indah Karima
AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Vol. 5 No. 3 (2025): AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmeb.v5i3.1617

Abstract

This study investigates the influence of the marketing mix, which consists of product, price, place, and promotion, on consumer purchasing decisions at Toko Anik Grosir, a local wholesale store in Tamansari Village, Probolinggo Regency. The main problem addressed is the limited empirical research that examines how each element of the marketing mix affects consumer behavior in small-scale wholesale businesses, particularly in semi-urban or rural settings. This research used a quantitative approach with a descriptive-causal design. Data were collected through purposive sampling involving 96 respondents who had made at least two purchases. The instrument used was a Likert-scale questionnaire, and data analysis was performed using multiple linear regression with SPSS software. The results show that all four variables of the marketing mix simultaneously have a significant influence on purchasing decisions. Partially, product, price, and promotion have a positive and significant effect, while place does not have a significant influence. Among these, the product variable is the most dominant factor influencing consumer decisions. The R Square value of 0.692 indicates that 69.2 percent of the variation in purchasing decisions is explained by the four marketing mix variables. These findings contribute to marketing theory in the retail context and offer practical implications for store owners to improve marketing strategies in competitive local markets.
Co-Authors Fahrudin Fahrudin Fitriyah Fitriyah Muh Hamzah, Muh Qomariyah, Nurul Ulfa