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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH DALAM MELAKUKAN PINJAMAN DI KOPERASI KREDIT IMACULATA ATAMBUA Redjo, Paulina Rosna Dewi; Kase, Marce Sherly; Kun, Virgilia Filomena
Perwira Journal of Economics & Business Vol 5 No 2 (2025)
Publisher : UNPERBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54199/pjeb.v5i2.600

Abstract

Minat merupakan motivasi yang mendorong orang untuk melakukan apa yang mereka inginkan. Setiap minat akan memuaskan suatu kebutuhan. Tujuan dalam penelitian ini untuk mengetahui pengaruh antara variabel tingkat suku bunga, prosedur peminjaman, dan kualitas pelayanan terhadap minat nasabah dalam melakukan pinjaman. Data yang digunakan dalam penelitian ini berupa data primer. Studi ini menggunakan analisis regresi berganda. Hasil penelitian menunjukan terdapat pengaruh yang signifikan antara Tingkat Suku Bunga (X1) terhadap Minat Melakukan Pinjaman (Y). Terdapat pengaruh yang signifikan antara Prosedur Peminjaman (X2) terhadap Minat Melakukan Pinjaman (Y). Terdapat pengaruh yang signifikan antara Kualitas Pelayanan (X3) terhadap Minat Melakukan Pinjaman (Y). Hal ini dibuktikan dengan nilai probabilitas sebesar 0,000. Variabel Tingkat Suku Bunga (X1), Prosedur Peminjaman (X2), Kualitas Pelayanan (X3), secara simultan memiliki pengaruh yang signifikan terhadap Minat Melakukan Pinjaman (Y). Hal ini dibuktikan dengan nilai F- statistik sebesar 24,240 dan probabilitas sebesar 0,000.
MATERIALISME SEBAGAI PEMODERASI PENGARUH CINTA UANG TERHADAP KECENDERUNGAN KECURANGAN DANA DESA Kase, Marce Sherly; Redjo, Paulina Rosna Dewi
Jurnal Akuntansi Vol 19 No 1 (2025): Jurnal Akuntansi
Publisher : Universitas Katolik Indonesia Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25170/jak.v19i1.6238

Abstract

We conducted this research to examine the moderating effect of materialism variables on the impact of the love of money on the tendency to cheat village funds. The quantitative design used is scientific research characterized as systematic. It tests the causality of the relationship between parts and characteristics. This research was conducted in 12 villages in the West Insana sub-district of North Central Timor Regency. The source data is fundamental data obtained directly from respondents. The data collection method is a questionnaire survey where respondents provide answers directly. The population is categorized as village officials in the West Insana sub-district with a sample size of 36 village government officials with the authority to manage village finances. These were determined using purposive non-probability sampling. The research utilized Moderated Regression Analysis (MRA) or moderated regression analysis. This research found that materialism could not act as a moderating variable in the effect of love of money on the tendency to cheat village funds. The implications of this research for the local government of North Central Timor Regency are to provide financial education on how to work on village financial reports per applicable accounting standards and to include village officials in village management training activities, especially village asset management.
PEMBERIAN PEMAHAMAN DAN PENINGKATAN MOTIVASI TENTANG EKONOMI KREATIF PADA MASYARAKAT DESA OEBIKASE KABUPATEN TIMOR TENGAH UTARA Redjo, Paulina Rosna Dewi; Kase, Marce Sherly; Manane, Desmon Redikson
Perwira Journal of Community Development Vol 4 No 2 (2024)
Publisher : Unperba Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54199/pjcd.v4i2.298

Abstract

Kegiatan pengabdian kepada masyarakat ini memiliki tujuan terhadap peningkatan pemahaman dan motivasi masyarakat desa Oebikase tentang ekonomi kreatif. Hal ini menjadi bekal yang sangat penting bagi masyarakat untuk mengembangkan usaha dan dalam rangka pengambilan keputusan yang lebih baik, meningkatkan kualitas dan kompetensi masyarakat dalam mengembangkan dan memajukan desa, mengoptimalkan potensi desa.Kegiatan ini memberikan pengetahuan tentang ekonomi kreatif berbasis sumber daya desa yang ada pada desa Oebikase. Kegiatan pengabdian ini merupakan wadah peningkatan kemampuan dan keterampilan masyarakat atas pengetahuan dan pemahaman masyarakat terhadap ekonomi kreatif, karenanya diharapkan pelatihan ini memberikan manfaat dan menambah pengetahuan kepada masayarakat terkait dengan penguatan ekonomi kreatif. Metode pendekatan yang digunakan untuk mendukung kegiatan pengabdian bagi masyarakat  adalah metode partisipatif dimana masyarakat desa dan juga melalui ormawa GMKI terlibat langsung dalam pelaksanaan kegiatan ini, mulai dari persiapan sampai terlaksananya kegiatan tersebut. Adapun bentuk kegiatannya adalah mengadakan pertemuan melalui diskusi tanya jawab, musyawarah dan pelatihan.
Leading sectors, multiplier effects, and economic spillovers among the islands of East Nusa Tenggara Province Taena, Werenfridus; Klau, Anggelina Delviana; Kase, Marce Sherly; Blegur, Fried Markus Alung; Afoan, Felisisima; Buan, Febrya Christin Putri Handayani
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 13 No. 4 (2025): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v13i4.41468

Abstract

Regional economic disparities and fragmented inter-island linkages remain key challenges in East Nusa Tenggara (NTT), one of Indonesia’s archipelagic provinces with diverse resource endowments. This study analyzes the structure and dynamics of NTT’s regional economy by identifying its leading sectors through intersectoral linkage analysis, estimating the magnitudes of multiplier effects, and examining spillover effects across the province’s major islands. The research utilizes the 2016 Input–Output Table of NTT Province and the accumulated Gross Regional Domestic Product (GRDP) data of regencies and cities across the Timor, Flores, and Sumba islands for the 2016–2023 period. Analytical methods include linkage analysis, multiplier effect estimation, and the Vector Error Correction Model (VECM). The results show that agriculture, manufacturing, electricity, trade, and transportation constitute the leading sectors due to their strong forward and backward linkages. At the same time, agriculture and manufacturing also generate the largest multiplier effects. These sectors further create significant inter-island spillover effects, characterized by spread effects between Sumba–Timor, Sumba–Flores, and Timor–Sumba, and backwash effects between Timor–Flores and Flores–Sumba. The findings highlight that strengthening productive linkages in agriculture and manufacturing is vital for enhancing spatial equity and promoting inclusive regional growth. Conceptually, this study contributes to the literature by integrating intersectoral, multiplier, and spillover analyses to explain spatial economic interdependence in archipelagic regions and by offering practical policy implications for fostering sustainable inter-island integration in NTT Province.
Empowering Coastal Women Tourism Business Actors Based on Bank Indonesia's Go Digital Application in Kupang City Manafe, Mesri Welhelmina Nisriani; Seseli, Eka Merdekawati Imelda; Kase, Marce Sherly; Fanggidae, Herny Constantia; Mbate, Maromi Merlin
Amalee: Indonesian Journal of Community Research and Engagement Vol. 5 No. 1 (2024): Amalee: Indonesian Journal of Community Research and Engagement
Publisher : LP2M INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/amalee.v5i1.3762

Abstract

Student-based community service for female coastal culinary entrepreneurs in the tourism sector at Warna Beach, Kupang City is carried out because economically they are the group of business actors most vulnerable to the impact of Covid 19. This service activity aims to provide solutions based on situation analysis through socialization, training, and mentoring. e-financing, e-Payment, e-commerce, Go Digital Bank Indonesia in order to maintain the sustainability of MSMEs and in the long term it is hoped that it can encourage sustainable marine tourism. The method used is Participatory Action Research (PAR). The output target is to increase the knowledge and skills of 16 tourism business partners in using digital applications so that they are able to compete on a local scale. This service activity supports the achievement of main work indicators with a focus on serving the MBKM era on the use of digital technology, sustainability of the green economy, and encouraging the revival of the tourism sector. The achievement of this activity is that 16 partners have been able to carry out digital financial management using the SI APIK application. 16 Partners already have Facebook accounts, WA for business, Grab food, and Open Warung. These accounts have been used to conduct online marketing for each partner. Achieved 50% use of non-cash payments due to problems with several unbanked partners.
Influence analysis of capital shopping and local own-source revenue on non-food shopping Kase, Marce Sherly; I Laka, Egidius
International Journal of Financial, Accounting, and Management Vol. 1 No. 3 (2019): December
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v1i3.133

Abstract

Purpose: The main purpose of this study was to examine the effect of Capital Expenditure and Local Own-Source Revenue (PAD) on Non-food Expenditure of the population; in North Central Timor Regency. Research methodology: This research was a quantitative study that used time series data and located in North Central Timor Regency. Descriptive statistic and Multiple linear regressions were used as statistic tools. SPSS Version 23 was used for data analysis. Results: The results of this study indicate that PAD has a significant effect on non-food shopping of the population in North Central Timor Regency. Limitations: This study it only generalized the problem that occurred in North Central Timor Regency Contribution: These findings could be very significant information to North Central Timor Regency. Keywords: Capital Expenditure, Local Own-Revenue, Non-Food Expenditure