{"id":"https://openalex.org/W4407312349","doi":"https://doi.org/10.30640/ekonomika45.v12i1.3507","title":"Faktor-Faktor yang Mempengaruhi Permintaan Kredit pada Perum Pegadaian","display_name":"Faktor-Faktor yang Mempengaruhi Permintaan Kredit pada Perum Pegadaian","publication_year":2024,"publication_date":"2024-12-09","ids":{"openalex":"https://openalex.org/W4407312349","doi":"https://doi.org/10.30640/ekonomika45.v12i1.3507"},"language":"en","primary_location":{"id":"doi:10.30640/ekonomika45.v12i1.3507","doi":"https://doi.org/10.30640/ekonomika45.v12i1.3507","is_oa":true,"landing_page_url":"https://doi.org/10.30640/ekonomika45.v12i1.3507","pdf_url":"https://jurnaluniv45sby.ac.id/index.php/ekonomika/article/download/3507/3151","source":{"id":"https://openalex.org/S4387279209","display_name":"EKONOMIKA45 \u00a0Jurnal Ilmiah Manajemen Ekonomi Bisnis Kewirausahaan","issn_l":"2354-6581","issn":["2354-6581","2798-575X"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"EKONOMIKA45 : \u00a0Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://jurnaluniv45sby.ac.id/index.php/ekonomika/article/download/3507/3151","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5006165012","display_name":"Bambang Karnain P","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210158289","display_name":"Universitas 45 Surabaya","ror":"https://ror.org/04xmkh626","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210158289"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Bambang Karnain","raw_affiliation_strings":["Universitas 45 Surabaya"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas 45 Surabaya","institution_ids":["https://openalex.org/I4210158289"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5085421153","display_name":"Sugiharto Sugiharto","orcid":"https://orcid.org/0000-0002-3215-0690","observed_orcids":["https://orcid.org/0000-0002-3215-0690"]},"institutions":[{"id":"https://openalex.org/I4210158289","display_name":"Universitas 45 Surabaya","ror":"https://ror.org/04xmkh626","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210158289"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Sugiharto Sugiharto","raw_affiliation_strings":["Universitas 45 Surabaya"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas 45 Surabaya","institution_ids":["https://openalex.org/I4210158289"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5023840958","display_name":"Rina Dewi","orcid":"https://orcid.org/0000-0002-2050-8333","observed_orcids":["https://orcid.org/0000-0002-2050-8333"]},"institutions":[{"id":"https://openalex.org/I4210158289","display_name":"Universitas 45 Surabaya","ror":"https://ror.org/04xmkh626","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210158289"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Rina Dewi","raw_affiliation_strings":["Universitas 45 Surabaya"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas 45 Surabaya","institution_ids":["https://openalex.org/I4210158289"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5109534656","display_name":"Achmad Daeng GS","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210158289","display_name":"Universitas 45 Surabaya","ror":"https://ror.org/04xmkh626","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210158289"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Achmad Daeng GS","raw_affiliation_strings":["Universitas 45 Surabaya"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas 45 Surabaya","institution_ids":["https://openalex.org/I4210158289"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4210158289"],"apc_list":null,"apc_paid":null,"fwci":0.2776,"has_fulltext":true,"cited_by_count":1,"citation_normalized_percentile":{"value":0.55501155,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":91,"max":95},"biblio":{"volume":"12","issue":"1","first_page":"158","last_page":"176"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.3463999927043915,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.3463999927043915,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.34380000829696655,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.1185000017285347,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-demand","display_name":"credit demand","score":0.9710000157356262},{"id":"https://openalex.org/keywords/pawnshops","display_name":"pawnshops","score":0.7599999904632568},{"id":"https://openalex.org/keywords/perum-pegadaian","display_name":"Perum Pegadaian","score":0.9670000076293945},{"id":"https://openalex.org/keywords/customer-income","display_name":"customer income","score":0.718999981880188},{"id":"https://openalex.org/keywords/interest-rates","display_name":"interest rates","score":0.8379999995231628},{"id":"https://openalex.org/keywords/pawnshop-services","display_name":"pawnshop services","score":0.8009999990463257}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6094555854797363},{"id":"https://openalex.org/C178550888","wikidata":"https://www.wikidata.org/wiki/Q2043282","display_name":"Business administration","level":1,"score":0.40052953362464905}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.30640/ekonomika45.v12i1.3507","doi":"https://doi.org/10.30640/ekonomika45.v12i1.3507","is_oa":true,"landing_page_url":"https://doi.org/10.30640/ekonomika45.v12i1.3507","pdf_url":"https://jurnaluniv45sby.ac.id/index.php/ekonomika/article/download/3507/3151","source":{"id":"https://openalex.org/S4387279209","display_name":"EKONOMIKA45 \u00a0Jurnal Ilmiah Manajemen Ekonomi Bisnis Kewirausahaan","issn_l":"2354-6581","issn":["2354-6581","2798-575X"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"EKONOMIKA45 : \u00a0Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.30640/ekonomika45.v12i1.3507","doi":"https://doi.org/10.30640/ekonomika45.v12i1.3507","is_oa":true,"landing_page_url":"https://doi.org/10.30640/ekonomika45.v12i1.3507","pdf_url":"https://jurnaluniv45sby.ac.id/index.php/ekonomika/article/download/3507/3151","source":{"id":"https://openalex.org/S4387279209","display_name":"EKONOMIKA45 \u00a0Jurnal Ilmiah Manajemen Ekonomi Bisnis Kewirausahaan","issn_l":"2354-6581","issn":["2354-6581","2798-575X"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"EKONOMIKA45 : \u00a0Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4407312349.pdf","grobid_xml":"https://content.openalex.org/works/W4407312349.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7216877851","https://openalex.org/W21461410","https://openalex.org/W2636417680","https://openalex.org/W4405357537","https://openalex.org/W3113613447","https://openalex.org/W52770046","https://openalex.org/W1512236050","https://openalex.org/W2981712021","https://openalex.org/W4385815047","https://openalex.org/W2971866698"],"abstract_inverted_index":{"This":[0,14],"research":[1,15,60],"aims":[2],"to":[3,34],"determine":[4],"the":[5,35,39,46,63,67],"factors":[6,36,64],"that":[7,37,62,65],"influence":[8,38,66],"credit":[9,42,70,93],"demand":[10,40,68],"at":[11,43,71,88],"Perum":[12,44,72,89],"Pegadaian.":[13],"method":[16],"is":[17,24,48],"literature":[18],"study.":[19],"The":[20,56],"data":[21,47],"analysis":[22],"technique":[23],"by":[25],"collecting":[26],"information":[27],"from":[28],"various":[29],"sources":[30],"in":[31],"fields":[32],"related":[33],"for":[41,69],"Pegadaian,":[45],"collected":[49],"and":[50,52,91],"analyzed":[51],"conclusions":[53],"are":[54],"drawn.":[55],"results":[57],"of":[58],"this":[59],"state":[61],"Pegadaian":[73,90],"include":[74],"(1)":[75],"customer's":[76,80],"income":[77],"level,":[78],"(2)":[79],"education":[81],"level":[82],"(3)":[83],"interest":[84],"rate":[85],"(4)":[86],"service":[87],"(5)":[92],"repayment":[94],"period.":[95]},"counts_by_year":[{"year":2026,"cited_by_count":1}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2025-02-11T00:00:00"}
