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Damestuteles, Darius
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Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Health Professions Languange, Linguistic, Communication & Media Medicine & Pharmacology Nursing Public Health Social Sciences

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PENGARUH LAYANAN KOPERASI DIGITAL TERHADAP PERILAKU KONSUMTIF STAF CU KELING KUMANG AREA SINTANG SATU DENGAN KEMUDAHAN TRANSAKSI SEBAGAI VARIABEL MEDIASI Gurning, Opralsen; Damestuteles, Darius; Elvi, Fitria
Hunatech Vol. XXX, No. XXX Vol 4 No 2 (2025): Hunatech: Oktober 2025
Publisher : Pusat Penelitian dan Pengabdian kepada Masyarakat

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Abstract

This research is motivated by the phenomenon of increasing consumptive behavior of Savings and Loans Cooperative staff at CU Keling Kumang Sintang Satu Area, along with the presence of digitalization services in the form of the Keling Kumang Digital application. The purpose of this study is to analyze the effect of digital cooperative services on the consumer behavior of staff at CU Keling Kumang Area Sintang I, both directly and through transaction convenience as a mediating variable. The method used is quantitative, with regression and path analysis techniques. Data were obtained from 106 respondents through questionnaires. The results show that digital cooperative services have a significant direct effect on consumer behavior (tvalue 3.264 > t-table 1.983; significance 0.01 < 0.05) with a correlation coefficient of 0.304. Transaction convenience also has a positive and significant effect on consumer behavior (tvalue 3.769; significance 0.000) with a beta coefficient of 0.348. However, the indirect effect of digital cooperative services on consumer behavior through transaction convenience is not significant (coefficient -0.114; significance 0.659), although full mediation occurs as the direct effect becomes insignificant. Other findings indicate that factors such as financial literacy, lifestyle, and social influence also affect consumer behavior. The conclusion of this study is that cooperative digitalization plays a role in increasing staff consumption, but it must be balanced with financial literacy education to prevent excessive consumption. Key words: digital cooperative services, transaction convenience, consumer behavior
PENGARUH KEBIJAKAN KREDIT TERHADAP MINAT PEMINJAM DI CU KELING KUMANG KELAM Witalia Rosali, Riska; Damestuteles, Darius; Masiun, Stefanus
Hunatech Vol. XXX, No. XXX Vol 4 No 2 (2025): Hunatech: Oktober 2025
Publisher : Pusat Penelitian dan Pengabdian kepada Masyarakat

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This study aims to analyze the effect of credit policies, consisting of interest rates and loan collateral, on borrowers’ interest at Credit Union (CU) Keling Kumang Branch Office Kelam, Kelam Permai District, Sintang Regency. This study uses a quantitative approach with multiple linear regression analysis. The sampling was conducted using a saturated sampling method, so that all 89 members of the population were included as respondents. The results of the study indicate that partially, interest rates do not have a significant effect on borrowers’ interest, with a significance value of 0.218 (> 0.05). This suggests that members’ decisions to apply for loans are not only influenced by the interest rate level, but also by non-financial factors such as trust and service convenience. Conversely, the loan collateral variable has a positive and significant effect on borrowers’ interest, with a significance value of 0.000 (< 0.05). The ease and flexibility of the collateral system are proven to increase members’ interest in borrowing. In addition, the F-test results show that interest rates and loan collateral together have a significant effect on borrowers’ interest, with a significance value of 0.000 (< 0.05). These findings emphasize the importance of credit policies that pay attention to the aspects of loan collateral to increase members’ participation in accessing loan services at CU Keling Kumang BO Kelam. Keywords: Credit Policy, Interest Rate, Loan Collateral, Borrowers' Interest.
Co-Authors Bertus, Adil Elvi, Fitria Gurning, Opralsen Junianta, Maria Sabela, Florentina Neneng STEFANUS MASIUN Witalia Rosali, Riska