The research aims to study about the awareness and perceptions of the SMEs palm sugar in Lebak district, Banten Province-Indonesia on Fintech model such as Peer-to-Peer lending and crowd funding in developing their business. The researchers designed as many as 17 questions to conduct a survey related to the research variable. Descriptive analysis is applied by using Microsoft Office Excel data processing. Frequency distribution and central size are used for data analysis. The results show that awareness level of the most respondents is still insufficient on Peer-to-Peer lending and crowd funding as alternative financing instruments. The majority of them have a positive perception of FinTech development. It can be concluded that the level of awareness of most respondents is still very limited, especially on P2P loans, Crowdfunding and other FinTech services provided by non-bank financial institutions. They need to increase awareness level of palm sugar SMEs by related parties such as the government.
Perception Analysis and Consumer Behaviour on Purchasing Shell Helix Lubricate Oil Product by Pt. Tira Wira Usaha (Published)
At present most companies not only produce products and sell them, but switch to consumers to meet their needs and wants. Environmental factors, technological developments and corporate competition will affect the value and consumer satisfaction towards the products offered. Marketing is a social and managerial process whereby individuals and groups get their needs and wants by creating, offering and exchanging something of value to each other. Products are things that can be offered to the market to be noticed, obtained, used or consumed that can meet the wants or needs of consumers.Consumer’s age of Shell Helix lubricants varies in meaning that can be used by all ages and the most user of Shell Helix lubricants are aged 26 – 30 years. Consumer perceptions towards product attributes on consumer behaviour towards Shell Helix lubricant oil purchasing turns out to have a significant effect.
Perception of Quality Service among Customers of Deposit Money Banks in Dutsinma Local Government Area, Katsina, Nigeria (Published)
The study sought to determine Perception of quality service among customers of Deposit Money Banks (DMBs) in Dutsinma Local Government Area, Katsina, Nigeria. The objective of the study is to determine customers’ perception of quality service from the point of view of; tangibility and reliability of the services; responsiveness and assurances of the banks to their customers. Secondary and primary sources were used in generating data for the study. Using stratified and random sampling techniques, the primary data was collected by means of a structured questionnaire administered to 380 customers of the three DMBs in the study area. Descriptive as well as inferential statistics (Regression Analysis) were used in analyzing the data collected from the respondents. The study found that the responsiveness aspect of the banking services has the highest impact on perception of quality service among customers of DMBs in the study area. This is followed by tangibility and reliability aspects of the services. The assurance aspects of the said banking services have the least impact on perception of quality service among the customers. Based on the findings, the study recommended that the three DMBs in Dutsinma Local Area should place more emphasis on the aspects of responsiveness and tangibility in their advertisement and physical interaction with their customers.