Analysis of the Effect of the Role of Credit and Promotion on Electronic Furniture Purchases

ABSTRACT


INTRODUCTION
In a company sales can be in cash or on credit.Sales in cash are usually carried out directly at the time of a sales transaction where the buyer pays directly to the cashier.The company PT.Metro Lubuk Pakam sells using a cash system where the fall in price will be cheaper.This can happen because customers do not need to pay by credit system.In fact, sometimes, the interest on the credit system makes electronic prices skyrocket, compared to normal prices.Whereas credit sales are sales where the payment method is gradual or in installments with an agreed time limit between the seller and the buyer and the buyer is burdened with credit interest that must be paid together with installment payments, where the dealer only helps the credit sales process.After the sale occurs, the person responsible for credit sales is the respective leasing (Mayastika, 2014).
As it is known, that the goal of every company is inseparable from seeking the maximum possible profit.Therefore, a manager must formulate the right policy so that the product or goods sold can be purchased by consumers.To get the desired profit, PT.Metro Lubuk Pakam sells a variety of electronic furniture equipment both in cash and on credit, so that sales of electronic furniture will increase.To obtain electronic furniture, consumers or the public are free to choose the desired electronic furniture according to their ability and income and can also choose the installment period they want.In obtaining electronic furniture at PT. Metro Lubuk Pakam offers on credit with a variety of installments and down payments.The periods offered or installments are 12 months and 18 months (Sujarweni, 2016).
In order to obtain data and information regarding this writing material, the authors use the following data collection methods: 1. Observation, namely research conducted by visiting the object of research directly to obtain the data needed in this study.2. Interview is research conducted by conducting interviews with a number of consumers who have something to do with this research.3. Documentation, namely research conducted by collecting documents or archives that have something to do with the role of credit and promotion to consumers.4. Questionnaire, namely research conducted by distributing questionnaires to a number of respondents who were the sample in this study.

Instrument Testing Techniques
In a research study, instrument testing is needed to determine whether the measuring instrument used in the research is feasible or not.In this research, the instrument used is in the form of a questionnaire, so it is necessary to test the validity and reliability.

a. Validity Test
Validity testing is used to measure the measuring instrument used to obtain data.According to Duli (2019: 103) validity is the degree of accuracy between the data that actually occurs on the object of research and the data reported by the researcher.Testing the validity of the list of questions asked is by using the product moment method with the following formula: rxy=(nΣxy-(Σx)(Σy))/√({nΣx²-(Σx)²} {nΣy^2-(Σy²)) Where: rxy : Correlation coefficient x : The independent variable y : The dependent variable n : Number of samples or respondents The criteria for the decision making are valid or not a questionnaire, namely: If rcount > rtable then the questionnaire is valid If rcount < rtable then the questionnaire is invalid The rtable value is obtained from (df) = n -k with a significance level of α = 5%, in this case n is the number of samples and k is the number of constructs.

b. Reliability Test
According to Ghozali (2016: 47) states that the reliability test is a tool for measuring a questionnaire which is an indicator of a variable or construct.A questionnaire is said to be reliable or reliable if a person's answer to the statement is consistent or stable over time.A data is said to be reliable is that the variable has a Cronbach alpha value greater than 0.6 or is not reliable if it has a Cronbach alpha value less than 0.6.

c. Hypothesis test
Hypothesis testing is intended to determine whether there is a significant influence between the independent variables and the dependent variable.In testing this hypothesis, the researcher uses a significant test, by determining the null hypothesis (H0) and the alternative hypothesis (Ha).The null hypothesis (H0) is a hypothesis which states that there is no significant influence between the independent variable and the dependent variable while the alternative hypothesis (Ha) is a hypothesis which states that there is a significant influence between the independent variable and the dependent variable (Sugiyono, 2017: 63) .This test is carried out partially (t test) or simultaneously (F test).

d. Simultaneous Test (F test)
According to Rahayu and Susanto (2018: 226), the F test basically shows whether all the independent variables have a joint influence on the dependent variable.The statistical test used in simultaneous testing is the F test or what is commonly known as the Analysis of Variance (ANOVA).The F test according to Miftahul (2018) can use the double significant correlation formula as follows: Fh = (R^(2 )/k)/(( 1 -〖 R〗^(2 ))/(nk -1)) Information: R: multiple correlation coefficient  k: number of independent variables n: number of sample members This test is carried out at a 95% confidence level with the following conditions: If the significance level is greater than 0.05, it can be concluded that H0 is accepted, on the other hand Ha is rejected.
If the significance level is smaller than 0.05, it can be concluded that H0 is rejected, otherwise Ha is accepted.
Partial Test (T test) This test shows how far the influence of the independent variable partially on the dependent variable (Septian and Saputra, 2020: 50).In the end, a conclusion will be drawn that H0 is rejected or Ha is accepted from the hypothesis that has been forwarded.According to Sugiyono (2017: 184) the formula for testing the t test is as follows: t = (r n-2)/(1 -〖 R〗^(2 ) ) Information: T : t test value R : correlation coefficient r2 : coefficient of determination N : number of samples This test is carried out with the t test at the 95% confidence level with the following conditions: If the significance level is greater than 0.05, it can be concluded that H0 is accepted, on the other hand Ha is rejected.
If the significance level is smaller than 0.05, it can be concluded that H0 is rejected, on the contrary Ha is accepted.

e. Coefficient of Determination ()
The coefficient of determination is used to explain the proportion of the dependent variable (free), namely the quality of service, facilities and location that can be explained by variations in the independent variable (dependent), namely patient satisfaction (Dewi, 2016: 541).The coefficient of determination is zero and one.A small value means that the ability of the independent variables to explain the variation in the dependent variable is very limited.A value close to one dependent variable provides almost all the information needed to predict the variation in the dependent variable.A fundamental weakness of using the coefficient of determination is the usual number of independent variables included in the model.For each additional one independent variable, R2 must increase regardless of whether the variable has a significant effect on the dependent variable.Therefore, many researchers recommend using the adjusted R2 (adjusted R square) value when evaluating which regression model is the best.Unlike R2, the adjusted R2 value can increase or decrease if one independent variable is added to the model.

RESULTS AND DISCUSSION
Based on the results of the study, the characteristics of the respondents, namely age and education, can be seen in the distribution of the 60 respondents in the following table: Based on table 1 above, the characteristics of respondents according to age can be seen that the majority of respondents are 25 -31 years old, namely 40 people (68%) and a minority aged 18-24 years, namely 9 people (15%).

CONCLUSION
Based on the results of research and discussion conducted by researchers, the following conclusions can be drawn Based on the results of research on age and education, it greatly affects a person in the pattern of maturity, the higher the level of one's education, the more mature the person's thinking and knowledge.Based on the characteristics of the long term consumer credit with a period of 15 months and the number of respondents, the credit is small with a period of 12 months.Based on the characteristics of the types of consumer goods, the majority of respondents for electronic goods loans were 40 people and the number of respondents for credit for cabinets, beds, etc. a minority was 20 people.Based on respondents, the influence of the role of credit is considered by consumers to be very good, the majority of respondents are 56 people, and a minority of respondents think that the role of credit is not good as many as 4 people.Based on respondents, the electronic purchase promotion is considered very good consumers, the majority of respondents are 57 people, and a minority of respondents think that the role of credit is not good as many as 3 people.F test (simple linear regression test) sig 0.000 <α = 0.05, df = 2 obtained X2 count> X2 table (19.402> 5,991).The t sig test 0.000 <α = 0.05, df = 2 obtained X2 count> X2 table (19.402> 5,991).

Table 1 .
Frequency Distribution of Respondents by Age of Consumers

Table 2 .
Frequency Distribution of Respondents based on Consumer Education