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All Journal JIKA: Jurnal Ilmu Keuangan dan Perbankan International Journal of Economics and Management Research
Safaruddin Munthe
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Effect of Provision of Business Capital from the National Pension Savings Bank (BTPN) Syariah and Business Location on the Development of Small Business Darma, Aswin Fahmi; Safaruddin Munthe; Riski Aseandi
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 2: Juni 2025
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i2.15865

Abstract

This study aims to determine the effect of additional business capital from BTPN Syariah and business location on the development of Small Businesses in East Binjai District. This rapidly developing information technology is responded by the BTPN Syariah company, which provides business credit to mothers of underprivileged families with the aim of improving the quality of life of underprivileged mothers' families, where credit assistance is only used in order to improve their existing businesses or to open new businesses. To become a BTPN Syariah customer, the age is 18 to 25 years or married, for the beginning, but the age of 60 is also allowed, and the provision of credit without collateral. This study uses a quantitative research method, using primary data sources. The results of the study show that there is an effect of additional business capital from BTPN Syariah on the development of Small Businesses in East Binjai District. There is an effect of business location on the development of Small Businesses in East Binjai District. There is an effect of additional business capital from BTPN Syariah and business location on the development of Small Businesses in East Binjai District. Keywords: Influence of Giving; BTPN Syariah; Business Capital; Business Location; Business Development
The Effect of Service Quality and Promotion on Consumer Purchase Decisions at Raja Bebek Dian Pernando Tarigan; M. Rusdi; Safaruddin Munthe
International Journal of Economics and Management Research Vol. 4 No. 3 (2025): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v4i3.499

Abstract

This research aims to analyze the influence of service quality and promotion on consumer purchasing decisions. Service quality and effective promotional strategies are important factors in shaping consumer perceptions and purchasing interest in a product or service. The research method used is quantitative with a survey approach to 120 respondents who are active consumers in the retail sector. The data were analyzed using multiple linear regression to test the influence of the independent variable on the dependent variable. The research results show that both service quality and promotion have a positive and significant influence on purchasing decisions. Service quality that includes reliability, responsiveness and empathy, as well as targeted promotions, can increase consumer buying interest and loyalty. These findings underline the importance of companies in improving service quality and designing attractive promotional strategies to encourage sustainable consumer purchasing decisions.
Co-Authors Darma, Aswin Fahmi Dian Pernando Tarigan M. Rusdi Riski Aseandi