THE EFFECT OF BTPN BANK CREDIT PROVISION ON THE WELFARE LEVEL OF TASPEN AND ASABRI PENSION CUSTOMERS
Keywords:
Bank, Credit Provision, Customer WelfareAbstract
This study aims to describe the effect of lending on the welfare of retirees and ASABRI. This research method uses quantitative methods, data collection techniques used are questionnaires. Bank BTPN KCP Magetan is a private bank that provides credit services for Taspen and Asabri retirees. The data analysis technique used is a simple linear regression technique. The results of this study are based on the results of simple linear regression testing, the value of the lending coefficient of 1.209 has a positive effect on the welfare of customers at Bank BTPN at KCP Magetan. Based on the results of the T test, it was obtained 0.000 so that the hypothesis was accepted. From the results of testing the coefficient of determination of the lending variable (X) has an effect of 77.7% on the customer welfare variable (Y) while the remaining 22.3% is influenced by other variables not examined by the researcher.
Downloads
References
Achmad, G. N., Yudaruddin, R., Nugroho, B. A., Fitrian, Z., Suharsono, S., Adi, A. S., … Fitriansyah, F. (2023). Government support, eco-regulation and eco-innovation adoption in SMEs: The mediating role of eco-environmental. Journal of Open Innovation: Technology, Market, and Complexity, 9(4), 100158. https://doi.org/10.1016/j.joitmc.2023.100158
Arifin, S., Pratama, D. P. A., & Utomo, P. (2023). Pengantar Statistika: Teori dan Metode Ekonomi Terapan. Surabaya: CV. Pena Jaya Pers.
Hidayah, N., Arifin, S., Pratama, D. P. A., Kurniawati, Dominggus, T. B., Suprapto, A. A., & Nurcahyanti, A. (2023). Community Empowerment Through Optimizing Local Wisdom as a Support for The Value of Economic Life. TGO Journal of Community Development, 1(2), 30–38. https://doi.org/https://doi.org/10.56070/jcd.v1i2.35
Lui, A. K. H., Lee, M. C. M., & Ngai, E. W. T. (2022). Impact of artificial intelligence investment on firm value. Annals of Operations Research, 308(1), 373–388. https://doi.org/10.1007/s10479-020-03862-8
Nuryadi, Pratama, D. P. A., & Arifin, S. (2024). Increase Service Sales Turnover Through a Digital Marketing Approach: Effective? International Journal of Global Accounting, Management, Education, and Entrepreneurship, 4(2), 231–237. https://doi.org/10.48024/ijgame2.v4i2.142
Pratama, D. P. A., Subroto, W. T., & Sakti, N. C. (2024). Soft Skills and Entrepreneurial Spirit: Integration of Skills through Continuing Education for Indonesian Students in the Era of Globalization 21st Century. International Journal of Research and Scientific Innovation (IJRSI), XI(August), 733–744. https://doi.org/10.51244/IJRSI
Priyono, A., Moin, A., & Putri, V. N. A. O. (2020). Identifying Digital Transformation Paths in the Business Model of SMEs during the COVID-19 Pandemic. Journal of Open Innovation: Technology, Market, and Complexity.
Schumpeter, J. (2003). The Theory of Economic Development. The Theory of Economic Development, 1–234. https://doi.org/10.4324/9781003146766
Sugiyono. (2015). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
Surjanti, J., Adji, T. S., Sanaji, & Wibawa, S. C. (2020). HIJAB SMEs: Women’s Cooperative Embryo as Media to Grow Eco-Feminism of Hijab Craftsmen in Gresik. ICRACOS, 491(Ijcah), 1220–1225. https://doi.org/10.2991/assehr.k.201201.204
Trisnawati, R., Mustikawati, S., & Sasongko, N. (2023). Enterprise Risk Management Disclosure and Ceo Characteristics: an Empirical Study of Go Public Companies in Indonesia. Business: Theory and Practice, 24(2), 379–391. https://doi.org/10.3846/btp.2023.18505
Twenge, J. M. (2010). A Review of The Empirical Evidence on Generational Differences in Work Attitudes. Journal of Business and Psychology, 25(2), 201–210. https://doi.org/10.1007/s10869-010-9165-6
Utomo, P., & Pratama, D. P. A. (2024). The Impact Of Compensation, Leadership And Motivation As Mediation On Employee Performance : A Study Of Arthenis Travel Corporation. Jurnal Ekonomi, 13(02), 1652–1666. https://doi.org/10.54209/ekonomi.v13i02
Zaman, K., & Pratama, D. P. A. (2023). Improving The Efficiency Of Payroll And Wage Processes In Surabaya’s Creative Industries: Could Management Accounting Information System Do It? International Journal of Global Accounting, Management, Education, and Entrepreneurship, 4(1), 22–31. Retrieved from https://jurnal.stiepemuda.ac.id/index.php/ijgame2/article/view/87
Zehir, C., & Narcıkara, E. (2016). E-Service Quality and E-Recovery Service Quality: Effects on Value Perceptions and Loyalty Intentions. Procedia - Social and Behavioral Sciences, 229, 427–443. https://doi.org/10.1016/j.sbspro.2016.07.153
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Inka Mariska Abriyana, Waloyo, Danang Apriliyanto, Siswohadi, Abdul Manan

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.