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All Journal Global Management: International Journal of Management Science and Entrepreneurship
Wahyu Dwi Sulindra
Unknown Affiliation
Decision Sciences, Operations Research & Management

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The Role of the People's Economic Bank in Dual Regulation in the Implementation and Information of Credit Provision Micro, Small and Medium Enterprises (MSMEs) Hardi Mulyono Surbakti; Muhammad Himan Fikri; Wahyu Dwi Sulindra; Dina Aprilla; Ayunda Mayona; Dinda Sasmita; Syafrin Ananda Harahap
Global Management: International Journal of Management Science and Entrepreneurship Vol. 2 No. 2 (2025): International Journal of Management Science and Entrepreneurship
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70062/globalmanagement.v2i2.220

Abstract

Bank Ekonomi Rakyat Mangatur Ganda has great potential in improving the performance of Micro, Small, and Medium Enterprises (MSMEs) through effective credit distribution and targeted information delivery, especially for segments that have not been optimally served. Optimizing the role of banking is carried out through various strategies, such as socializing credit programs, providing convenience in the credit application process, implementing outreach strategies, improving service quality, and financing in potential sectors. In addition, the use of information technology is key to expanding service coverage and increasing operational efficiency. Strategic partnerships with the government, other financial institutions, and MSME communities are needed to create an inclusive and sustainable business ecosystem. With management commitment and implementation of targeted strategies, Bank Ekonomi Rakyat Mangatur Ganda has a great opportunity to significantly encourage MSME growth and contribute to improving the welfare of the wider community.
The Influence of Brand Image, Product Innovation and Lifestyle on Purchasing Decisions Purchase of Iphone Smartphones in Patumbak Village, Deli Serdang Village Wahyu Dwi Sulindra; Sari Wulandari; Suhaila Husna Samosir; Adrial Falahi
Global Management: International Journal of Management Science and Entrepreneurship Vol. 3 No. 1 (2026): February: Global Management: International Journal of Management Science and En
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70062/globalmanagement.v3i1.514

Abstract

This study seeks to examine the influence of brand image, product innovation, and lifestyle on purchasing decisions for iPhone smartphones among residents of Patumbak Village, Dusun V, Deli Serdang. Specifically, it aims to analyze the individual effect of brand image on purchasing decisions, the effect of product innovation on purchasing decisions, and the effect of lifestyle on purchasing decisions, as well as their combined impact. The research employs a descriptive quantitative approach, utilizing questionnaires, interviews, and documentation as data collection techniques. The population consists of 740 residents of Patumbak Village, Dusun V, and the sample of 88 respondents was determined using non-probability sampling with the Slovin formula. The collected data were processed and analyzed through multiple linear regression analysis using SPSS version 26.0. The findings indicate that the calculated F value (205.841) exceeds the F table value (2.71), demonstrating a significant simultaneous effect of brand image, product innovation, and lifestyle on purchasing decisions. Partially, brand image (t = 2.885), product innovation (t = 2.491), and lifestyle (t = 5.570) each show t-values greater than the t table value (1.662), confirming their significant individual influence. Furthermore, the coefficient of determination (R²) of 0.570 reveals that 57% of the variation in purchasing decisions is explained collectively by the three independent variables.
Co-Authors Adrial Falahi Ayunda Mayona Dina Aprilla Dinda Sasmita Hardi Mulyono Surbakti Muhammad Himan Fikri Sari Wulandari Suhaila Husna Samosir Syafrin Ananda Harahap