Adaptif Manajemen dan Bisnis

ANALISIS KELAYAKAN NASABAH PEMBIAYAAN KREDIT PADA PT. HOME CREDIT INDONESIA

Rachmad Ilham, Tri Wahyuni — Thu, 15 May 2025 00:00:00 +0700

Purpose― The purpose of this research is to determine the procedures for providing credit financing and analysis of the feasibility of customers providing credit financing at PT. Home Credit Indonesia Store Gressmall..

Method— This qualitative research was conducted using observation, interviews, and documentation. The findings show that the credit financing procedure at PT. Home Credit Indonesia Store Gressmall involves several stages assisted by a Sales Agent, including data entry, credit limit checking, loan and installment selection, contract signing, and product handover. Customer eligibility is assessed based on their character and business as sources of income.

Finding— This study found that the credit financing procedure at PT. Home Credit Indonesia Store Gressmall involves data entry assistance by a sales agent, credit limit checking via the application, digital contract signing, and product handover. Customer eligibility is assessed based on character and income sources, applying the 4C principles: Character, Capacity, Condition, and Collateral. Field visits to the customer’s business location are also conducted for verification purposes.

Implication— The findings indicate that PT. Home Credit Indonesia Store Gressmall has implemented a practical credit procedure and applied prudent principles by focusing on the character and capacity of customers. This approach supports financial inclusion but still requires strict credit risk monitoring to maintain the quality of financing.

Keywords— Credit Financing, Customer Eligibility, Banking Services

KUALITAS PELAYANAN, HARGA, LOKASI DAN IMPAKNYA PADA LOYALITAS PELANGGAN DI FORTUNELLA COLLECTION GRESIK

Suharto, Lintang Cahya Ramadhan — Thu, 15 May 2025 00:00:00 +0700

Purpose- This study aims to examine and prove the effect of service quality, price and location on customer loyalty at Fortunella Collection Gresik clothing store. And this study also aims to analyze the most dominant factor influencing customer loyalty at Fortunella Collection Gresik. The formulation of the problem raised in this study is whether service quality, location, price partially and simultaneously affect customer loyalty at the Fortunella Collection Gresik store.

Method- The population used in this study are consumers who have been or who come to the Fortunella Collection Gresik store. The sample in this study were 98 respondents and the technique used was purposive Non-probability sampling technique. The data collection method used is a questionnaire. The analysis method used in this study is instrument test (validity test and reliability test), descriptive percentage analysis, classical assumption test, multiple regression analysis, hypothesis testing and the coefficient of determination using SPSS.

Finding- This study shows that the variables of Service Quality, Price, and Location each have a partial influence on Customer Loyalty at the Fortunella Collection clothing store in Gresik. In addition, these three variables also have a significant simultaneous effect on Customer Loyalty.

Implication- Fortunella Collection is advised to continuously improve service quality, set competitive prices, and maintain a convenient location in order to retain and enhance customer loyalty.

Keywords: Service Quality, Location, Price, Customer Loyalty

PENGARUH KUALITAS PRODUK, KUALITAS PELAYANAN, DAN FASILITAS TERHADAP LOYALITAS PELANGGAN KEDAI OMAH DAMAR GRESIK

Mochamad Syafii, M. Nazim Hamid M — Tue, 13 May 2025 00:00:00 +0700

Purpose- This study aims to test and prove the effect of product quality, service quality and facilities on customer loyalty for omah damar gresik cafe.

Method- This research uses a quantitative approach. The sample used in this study was 79 respondents and data collection was carried out by distributing questionnaires.

Finding- The results of this study are product quality and facilities have a positive effect on customer loyalty for omah damar Gresik cafe. while service quality has no effect on customer loyalty for omah damar Gresik cafe.

Implication- Product quality has a positive effect on customer loyalty at omah damar Gresik cafe. Facilities have a positive effect on customer loyalty for omah damar Gresik cafe. Meanwhile, service quality has no effect on customer loyalty at omah damar Gresik cafe. This study emphasizes that the effect on customer loyalty variables can be influenced by several variables such as product quality and facilities that have a positive impact on customer loyalty.

Keywords- Product Quality, Service Quality, Facilities, Customer Loyalty.

IMPRESI HARGA, VARIASI PRODUK DAN KUALITAS PELAYANAN TERHADAP KEPUTUSAN PEMBELIAN ULANG

Adiba Fuad Syamlan, Aldian Cahya Firmansyah — Thu, 15 May 2025 00:00:00 +0700

Purpose- The aim of this research is to examine how price policies, product variations and service quality influence consumers' decisions to make repeat purchases at the Nirwana Baru Gresik Store, as well as compare the results with previous research.

Method- This research uses quantitative methods. Data collection used a questionnaire, with 99 respondents as samples. SPSS version 27 was used for data processing.

Findings- This research found that there was an influence of price, product completeness and service quality on repurchase decisions, both partially and simultaneously.

Implications- The results of these findings can be utilized by policy makers at Nirwana Baru Gresik Store to increase the variety of products offered and service quality to maintain and increase consumer satisfaction thereby influencing repurchase decisions.

Keywords : Price, Product Variation, Service Quality and Repurchase Decisions.

PRESTISE WORD OF MOUTH, PERCEIVED QUALITY DAN CUSTOMER EXPERIENCE TERHADAP BRAND TRUST KYT HELMET DI ISTANA HELM GRESIK

Umar Burhan, Uswatun Hasanah — Thu, 15 May 2025 00:00:00 +0700

Purpose- The Each product will be easily recognized by the consumer community with the name and logo that identifies the product as owned by a brand and to face increasingly competitive competition so that these conditions encourage companies to work hard in order to maintain business sustainability, especially marketing performance and sales stability.

Method- The research was conducted using a quantitative approach with 80 customers as respondent. Data analysis using SPSS 27

Finding- The he results of the study show that Word of Mouth has a partial effect on Brand Trust, indicating that recommendations or word of mouth have an important role in shaping consumer trust in a brand. However, an interesting finding is that Perceived Quality and Customer Experience actually show a negative effect on Brand Trust.

Implication- The The findings imply that companies should prioritize encouraging positive Word of Mouth through excellent service and customer satisfaction, as it positively influences Brand Trust. The negative impact of Perceived Quality and Customer Experience suggests a need for improvement in product quality and customer interactions. Since all three variables simultaneously affect Brand Trust, businesses must adopt an integrated marketing approach that aligns product quality, customer experience, and communication to strengthen consumer trust and loyalty.

Keyword- Word of mouth, Perceived Quality, Customer Experience, Brand Trust