https://journal.var-x.id/index.php/karisma <p class="p1"><strong>Jurnal Kharisma</strong> adalah sistem penerbitan artikel yang diterbitkan oleh prodi Manajemen UPN “Veteran” Yogyakarta. Jurnal ini menerbitkan artikel penelitian tentang bisnis terutama di bidang manajemen yang mencangkup Manajemen Pemasaran, Manajemen Keuangan, Manajemen Operasional, Manajemen Sumber Daya Manusia, Manajemen Strategis, dan/atau yang ada kaitannya tentang manajemen.</p> en-US Karisma https://journal.var-x.id/index.php/karisma/article/view/5 <p><strong>Lorem Ipsum</strong>&nbsp;is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.</p> Hokage Copyright (c) 2021 Karisma 2021-09-30 2021-09-30 1 1 https://journal.var-x.id/index.php/karisma/article/view/8 <p>Bank, financial inclusion, debt behavior, and business investment greatly affect the economic growth of a region<br>industry. The main purpose of this research is to examine the effect of bank behavior, financial inclusion, debt<br>behavior on investment decisions of Micro, Small and Medium Enterprises customers at Bank BPD Yogyakarta,<br>Indonesia. The research sample is BPD Yogyakarta customers Respondents as 200 entrepreneurs are customers<br>who are in debt for business investment. The analysis model uses mediation regression with PLS. The results<br>showed that bank behavior had a positive effect on financial inclusion. Bank behavior has a positive effect on debt<br>behavior. Financial inclusion has a positive effect on business investment. Debt behavior has a positive effect on<br>business investment. Financial inclusion, debt behavior mediates the influence of bank behavior on business<br>investment. The implication of this research is that a clear bank behavior and high commitment of banks are needed<br>in offering bank products. It takes commitment and supervision from the Bank in providing credit to customers so<br>that the use of funds is in accordance with investment objectives.<br>Keywords: Bank Behavior, Financial Inclusion, Debt Behavior, Business Investment.</p> Maulana Arief Ikhsan Copyright (c) 2021 Karisma 2021-10-27 2021-10-27 1 1 10.1999/k.v1i1.8