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All Journal CAPITAL: JURNAL EKONOMI DAN MANAJEMEN Akuntabilitas: Jurnal Ilmiah Ilmu-Ilmu Ekonomi CAHAYA AKTIVA Jurnal Abdimas Akademika Jurnal Pengabdian Masyarakat Bidang Sains dan Teknologi Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMAK) J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat)
Dhiyan Septa Wihara
Universitas Nusantara PGRI Kediri
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Journal : CAPITAL: JURNAL EKONOMI DAN MANAJEMEN

 1 
UPAYA PEDAGANG PELATARAN DI PASAR SETONO BETEK KEDIRI DALAM MENGAKSES MODAL UNTUK MENGEMBANGKAN USAHANYA Dhiyan Septa Wihara; Poniran Yudho Leksono
CAPITAL: Jurnal Ekonomi dan Manajemen Vol 2, No 1 (2018)
Publisher : UNIVERSITAS PGRI MADIUN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (463.335 KB) | DOI: 10.25273/capital.v2i1.3065

Abstract

This study aims to 1) Describe the characteristics of the merchants of the market in the setono betek kediri which includes age, education level, family burden and work experience dependent on the access of capital to develop their business, 2) to analyze the relationship between the characteristics of the merchant of the market in the setono betek kediri towards their capital access to develop their business .The population in this study were vegetables and food street vendors, amounting to 120 traders. The number of samples used was 55 respondents with sampling technique using Slovin formula. The analysis used is Chi Square is to see the relationship between traders characteristics with access to their capital in developing their business. The results showed that the age of traders has a relationship to access capital, this is evidenced by the value of perason chi square 0.000 <0.05. The level of education of traders is also associated with capital kases with pearson chi square value 0.001 <0.05. The number of dependents of family burden is related to access to capital with pearson chi square value 0.001 <0.05. The work experience of traders is related to their capital access in developing the business with pearson chi square value 0.005 <0.05.Key words : Age, education level, family burden, work experience, street vendors
FAKTOR UTAMA YANG MEMPENGARUHI NASABAH DALAM MENGAMBIL KREDIT DI BANK PERKREDITAN RAKYAT (BPR) KOTA KEDIRI Edy Djoko Soeprajitno; Wawan Herry Setyawan; Dhiyan Septa Wihara
CAPITAL: Jurnal Ekonomi dan Manajemen Vol 3, No 1 (2019)
Publisher : UNIVERSITAS PGRI MADIUN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (524.945 KB) | DOI: 10.25273/capital.v3i1.5063

Abstract

One of the objectives of credit is to move the wheels of the regional economy. Especially for the small and medium enterprises (SMEs) trade and micro sector, which is now booming because it can improve the household economy. Various financial institutions offer various types of loans with attractive facilities and according to the needs of the target market. Therefore, today's society is demanded to be smart in accessing credit at bank financial institutions. Including the People's Credit Bank (BPR) Kota Kediri which also competes in offering loans that are in accordance with the wishes of the people in the Kediri region and its surroundings. The sample used in this study amounted to 97 customers. This study uses a quantitative approach with factor analysis techniques using principal component analysis (PCA). The result is that there are six groups of factors that influence customers in taking credit with a cumulative diversity value of 59,671. Factor I consists of variations in time period, loan nominal and service has an eigenvalue of 2.935 and total diversity value of 18.343%. Factor II consisted of reasons for interest rates, repayment deductions and requirements having an eigenvalue of 1.590 and a total diversity of 9.936%. Factor III consisted of variations in interest rates and flexible time periods having eigenvalues of 1.552 and total diversity of 9.701%. Factor IV consists of a credit process and the service schedule has an eigenvalue of 1.2282 and a total diversity of 8.014. Factor V consists of loans as needed and flexible guarantees have an eigen value of 1.165 and a total diversity of 7.284. Factor VI is a lack of requirements following with an eigen value of 1.023 and a total diversity of 6.394.Key words : Decision on taking credit, Factor Analysis, BPR in Kediri City
Co-Authors Amat Pintu Batu Dian Wijaya Fakultas Ilmu Sosial dan Ilmu Politik Universitas Islam Majapahit Mojokerto Dyah Ayu Paramitha Edy Djoko S Edy Djoko Soeprajitno Hikmah Muhaimin Mega Alfiyah Khasanah Mohammad Resi Abdul Basith Poniran Yudho Leksono Rama Dwi Fajarudin Samari Samari Santosa Sri Aliami Wawan Herry Setyawan Yayang Qomariyah Zulistiani, Zulistiani