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All Journal Journal of Islamic Digital Economics and Management Business Management Research
Hasannudin Nursalim Putra
Universitas Darul 'Ulum Jombang
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence Of Borrower Characteristics, Income, And Business Type On The Level Of Smoothness In Return Of People's Business Credit (KUR) (Case Study at Bank BTN KCP Jombang in 2024) Hasannudin Nursalim Putra; Alfani Amar Fuzaki; Vierkury Metyopandi; Yolanda Efionita; Rofikul Amin
Business Management Research Vol. 5 No. 1 (2026): January 2026
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/bismar.v5i1.16589

Abstract

Micro, Small, and Medium Enterprises (MSMEs) serve as the vital backbone of the Indonesian economy, yet they frequently encounter structural hurdles in capital access and business management. To bridge this gap, the People's Business Credit (KUR) provides essential financing for feasible but non-bankable businesses. This research evaluates the critical factors determining the success of the KUR program, specifically focusing on the influence of borrower characteristics, income levels, and business types on repayment smoothness. Situated as a case study at Bank BTN KCP Jombang in 2024, the study addresses persistent challenges in loan installments despite existing government guarantees. Utilizing a quantitative approach, primary data were gathered from 30 KUR debtors selected through purposive sampling and analyzed via multiple linear regression. Empirical results reveal that all three variables significantly impact credit repayment. Notably, borrower characteristics exhibit a significant yet negative influence (sig = 0.021), suggesting that certain personal traits or high social responsibilities may inadvertently burden financial discipline. Conversely, income (sig = 0.000) and business type (sig = 0.000) demonstrate strong positive correlations with repayment performance. The model achieved an Adjusted R-Square of 0.961, indicating that 96.1% of the variance in repayment is explained by these factors. These findings highlight that while individual character is essential, the economic viability of the business sector and stable revenue streams are the primary drivers of credit quality.
PENGARUH BRAND TRUST, BRAND IMAGE, DAN ELECTRONIC WORD OF MOUTH TERHADAP KEPUTUSAN PEMBELIAN PRODUK KOSMETIK PINKFLASH Dwi Rahmania Firdausi; Puteri Syarifah Al Sakinah; Hasannudin Nursalim Putra; Linda Ratna Sari
Bridging Journal of Islamic Digital Economics and Management Vol. 3 No. 3 (2026): September
Publisher : Al-Shobar Publisher, Yayasan Islam Al-Shobar Rawaurip

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Abstract

Industri kosmetik di Indonesia berkembang pesat di tengah persaingan yang semakin ketat, sehingga perusahaan dituntut menjaga kepercayaan dan citra merek yang kuat di mata konsumen. Permasalahan ini menjadi krusial bagi Pinkflash setelah salah satu produknya ditarik oleh BPOM karena mengandung pewarna berbahaya, yang berpotensi menurunkan kepercayaan konsumen dan memengaruhi keputusan pembelian. Penelitian ini bertujuan untuk menganalisis pengaruh brand trust, brand image, dan Electronic Word of Mouth (E-WOM) terhadap keputusan pembelian produk kosmetik Pinkflash, baik secara parsial maupun simultan. Penelitian menggunakan pendekatan kuantitatif dengan teknik purposive sampling terhadap 75 konsumen yang pernah membeli atau menggunakan produk Pinkflash. Data dikumpulkan melalui kuesioner skala Likert dan dianalisis menggunakan regresi linear berganda dengan SPSS versi 23. Hasil penelitian menunjukkan bahwa brand trust berpengaruh positif dan signifikan terhadap keputusan pembelian, sedangkan brand image dan E-WOM secara parsial tidak berpengaruh signifikan. Namun demikian, ketiga variabel secara bersama-sama terbukti berpengaruh signifikan terhadap keputusan pembelian, dengan kontribusi sebesar 55,9%. Temuan ini menegaskan bahwa kepercayaan konsumen menjadi faktor paling menentukan dalam keputusan pembelian produk kosmetik Pinkflash, sehingga menjadi perhatian utama bagi perusahaan dalam strategi pemasarannya.
Co-Authors Alfani Amar Fuzaki Amin, Rofikul Dwi Rahmania Firdausi Linda Ratna Sari Puteri Syarifah Al Sakinah Vierkury Metyopandi Yolanda Efionita