Proceedings of the 9th International Conference on Accounting, Management, and Economics 2024 (ICAME 2024)

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Office Networks and Promotions in Driving Consumer Loan Sales via Savings Deposits: A Study of Regional Development Banks in Sulawesi

Authors
Andi Reski Nurulnisa Mulhas1, *, Abdul Razak Munir1, Fahrina Mustafa1
1Hasanuddin University, Makassar, Indonesia
*Corresponding author. Email: mulhasarn23a@student.unhas.ac.id
Corresponding Author
Andi Reski Nurulnisa Mulhas
Available Online 30 July 2025.
DOI
10.2991/978-94-6463-758-8_220How to use a DOI?
Keywords
Sales on Consumption Loans; Office Networks; Promoting; Savings
Abstract

This study examines the relationship between office networks, promotional spending, and savings collection in driving consumption loan sales at regional development banks in Sulawesi Island. Using multiple regression analysis with classical assumption tests, data from annual reports of four banks—Bank Sulselbar, Bank Sulteng, Bank SulutGo, and Bank Sultra—collected from 2017 to 2023, were analysed. The results show that office networks have a positive and significant impact on consumption loan sales, underscoring the crucial role that office networks play in enhancing loan distribution. However, promotional activities were found to have a negative and insignificant effect on consumption loan sales, indicating that promotions are more effective in attracting savings rather than loans. Furthermore, savings negatively and significantly affect consumption loan sales, suggesting that savings are not the primary source of loan funding. Office networks were found to have no significant effect on savings deposits, while promotions were negatively and significantly related to savings. These findings suggest that both office networks and promotional strategies need to be reconsidered for their roles in driving savings and loan sales in regional development banks.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 9th International Conference on Accounting, Management, and Economics 2024 (ICAME 2024)
Series
Advances in Economics, Business and Management Research
Publication Date
30 July 2025
ISBN
978-94-6463-758-8
ISSN
2352-5428
DOI
10.2991/978-94-6463-758-8_220How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Andi Reski Nurulnisa Mulhas
AU  - Abdul Razak Munir
AU  - Fahrina Mustafa
PY  - 2025
DA  - 2025/07/30
TI  - Office Networks and Promotions in Driving Consumer Loan Sales via Savings Deposits: A Study of Regional Development Banks in Sulawesi
BT  - Proceedings of the 9th International Conference on Accounting, Management, and Economics 2024 (ICAME 2024)
PB  - Atlantis Press
SP  - 2716
EP  - 2726
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-758-8_220
DO  - 10.2991/978-94-6463-758-8_220
ID  - Mulhas2025
ER  -