Abstract-The study aimed to find out the simultaneous influence on product, price, place and promotion to the consumers' decision by using BNI Makassar credit cards. The population of this research was 250 consumers and the samples were 180 consumers. The data were collected by using questionnaire, observation and documentation. The data analyses were multiple linear regression analysis. This result indicates that: 1) the product variable (X1) had positive influence but there was not a significant influence in the consumers' decision on using BNI credit cards (Y). 2) The price variable (X2) had positive influence but there was not a significant influence in the consumers' decision on using BNI credit card (Y). 3) The place variable (X3) had positive and there was a significant influence in the consumers' decision on using BNI credit cards (Y). 4) The Promotion variable (X4) had positive influence but there was not a significant influence in the consumers' decision on using BNI credit card (Y). 5) The variables of the marketing mix (product, price, place and promotion) influenced in the consumers' decisions on using BNI credit card simultaneously, positively and significantly.

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Permasalahan yang terjadi di kalangan guru-guru Sekolah Dasar khususnya di kabupaten Maros adalah penggunaan angka dan huruf tingkat dasar yang masih kurang. Hal ini mengakibatkan bahan ajar yang dikembangkan oleh guruguru tersebut bisa dikatakan tidak layak untuk digunakan. Oleh karena itu, solusi yang ditawarkan dalam kegiatan pengabdian ini adalah; 1) memberikan motivasi kepada siswa agar tertarik untuk belajar materi dasar yakni angka dan huruf, 2) meningkatkan pengetahuan guru dalam menentukan jenis bahan ajar yang cocok untuk diterapkan, 3) memberikan motivasi kepada guru untuk meningkatkan keterampilan yang dapat membuat anak tertarik dengan materi yang disajikan. Kegiatan pengabdian di laksanakan di SMPN 10 Bantimurung, Kecamatan Tanralili, Kabupaten Maros dengan melibatkan guru-guru SMP yang berada di sekitar sekolah tersebut. Hasil dari kegiatan pengabdian ini adalah 1) menunjukkan semangat para guru untuk menanggapi materi penerapan bahan ajar untuk pengenalan huruf dan angka tingkat dasar, hal ini di tandai dengan adanya guru yang mengajukan pertanyaan, saran dan kritik, 2) Terjadi peningkatan pengetahuan dan pemahaman guru tentang konsep pengenalan angka dan huruf bagi guru-guru SMP, 3) Adanya respon positif dari para peserta yang ditandai dengan pengerjaan tugas mandiri.Kata Kunci: Bahan Ajar, Angka, Huruf, Guru-Guru SD.

This study aims to determine the effect of Character Education, Learning Creativity and Learning Motivation on Student Achievement in terms of Knowledge and Attitude Values partially and simultaneously as well as the most influential variables. The population is all class XI SMAS Darul Falah Enrekang. Data collection uses a sample selection technique with a non-probability sampling method. Based on predetermined criteria, the sample processed was 64 people who studied Economics with the data collection techniques used were observation, questionnaires and documentation. The data analysis technique used is simple regression analysis and multiple linear regression using SPSS software ver.22.The results of this study indicate that character education, learning creativity and learning motivation partially and simultaneously have a positive effect and the variable character education has the most dominant effect on student learning achievement in terms of knowledge and attitude values in economics subjects.