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All Journal EQIEN - JURNAL EKONOMI DAN BISNIS Jesya (Jurnal Ekonomi dan Ekonomi Syariah) YUME : Journal of Management Majalah Ilmiah Warta Dharmawangsa Jurnal Suluh Pendidikan Journal of Management - Small and Medium Enterprises (SME's) Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Arus Jurnal Sosial dan Humaniora ProBisnis : Jurnal Manajemen Balance : Jurnal Akuntansi dan Manajemen Jurnal Pengabdian Masyarakat Bhinneka Golden Ratio of Data in Summary Economics and Business Journal Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Amkop Management Accounting Review (AMAR) Journal of Management, Economic, and Accounting Tuhenori: Jurnal Ilmiah Multidisiplin
Bate'e, Maria Magdalena
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The Effect Of Rice Processing Optimization On Improving Production Management In Farmer Groups In Lauru Fadoro Village, Afulu District, North Nias Regency Lase, Ranto Riston; Zai, Kurniawan Sarototonafo; Bate'e, Maria Magdalena; Bu'ulolo, Nanny Artatina
Journal of Management, Economic, and Accounting Vol. 4 No. 2 (2025): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v4i2.919

Abstract

This study uses quantitative research which aims to determine the effect of rice processing optimization on increasing production management in farmer groups in Lauru Fadoro Village, Afulu District, North Nias Regency. The method in this study uses a quantitative method, with the data analysis technique used is simple linear regression, the population in this study were members of farmer groups totaling 40 heads of families and a sample of 40 respondents. The test results show that for the results of the hypothesis test, the t-count value is 20,595 with a significant value of 0.000. Where the significance limit is 0.05 with a t table value of 2,024 which indicates that the calculated t value> t table (20,595> 2,024) which means that Ha is accepted and Ho is rejected. So it can be concluded that there is an effect of rice processing optimization on improving production management in farmer groups in Lauru Fadoro Village, Afulu District, North Nias Regency. And for the R Square determination coefficient test (R2), a value of 0.918 was obtained which was then entered into the formula KD = r2 x 100% or KD = 0.918 x 100% = 91.8%. So that the effect of rice processing optimization on improving production management is 91.8% and the remaining 8.2% are variables that are not examined or have no effect in this study.
Working Capital Analysis In Increasing Profitability At The Gunungsitoli BNKP PLKT Giawa, Doniusman; Telaumbanua, Aferiaman; Bate'e, Maria Magdalena; Zai, Kurniawan Sarototonafo
Journal of Management, Economic, and Accounting Vol. 4 No. 2 (2025): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v4i2.929

Abstract

At PLKT BNKP Gunungsitoli, the researcher found that the lack of efficiency in working capital management—particularly in optimizing the use of current assets such as cash, receivables, inventory, and payables—has resulted in a long cash conversion cycle, thereby limiting the profitability achieved.The purpose of this study is to analyze working capital in improving profitability at PLKT BNKP Gunungsitoli. Data collection techniques include observation and analysis of the company’s financial statements. This research employs a descriptive quantitative method with a ratio analysis approach.The results show that the financial performance of PLKT BNKP Gunungsitoli for the period 2022–2024 experienced a downward trend in cash turnover, receivables turnover, and inventory turnover, as well as fluctuations in payables turnover, all of which remain below industry standards. This indicates low efficiency in working capital management, which can potentially disrupt cash flow and profitability. The ROA also declined from 6.96% to 3.32%, indicating inefficiency in asset utilization. The company needs to improve strategies for managing cash, receivables, inventory, and payables, as well as enhance operational efficiency to strengthen overall financial performance.
Pengaruh Bauran Pemasaran Terhadap Loyalitas Konsumen di PT. Liquid Kencana Abadi Kota Gunungsitoli Tafonao, Inca Nyaman; Bate'e, Maria Magdalena; Otanius Laia, Sukaaro Waruwu,
YUME : Journal of Management Vol 8, No 3 (2025)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v8i3.9988

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh produk, harga, promosi dan tempat terhadap loyalitas konsumen pada PT. Liquid Kencana Abadi Gunungsitoli. Metode pengumpulan data dalam penelitian ini menggunakan data primer yang diperoleh dari hasil pengisian kuesioner kepada 30 responden yang melakukan pembelian di PT. Liquid Kencana Abadi Gunungsitoli serta data sekunder yang diperoleh dari jurnal yang berkaitan dengan penelitian ini. Metode analisis data yang digunakan, uji validitas, uji reliabilitas, uji koefisien korelasi, uji koefisien determminan, uji normalitas, uji heterokedastisitas, uji regresi linear berganda, uji T dan uji F. Hasil penelitian ini menunjukkan bahwa harga dan promosi berpengaruh positif dan signifikan terhadap loyalitas konsumen sedangkan produk dan tempat tidak berpengaruh signifikan terhadap loyalitas konsumen secara parsial. Secara simultan produk, harga, promosi dan tempat memiliki pengaruh 94,8% terhadap loyalitas konsumen dengan 5,2% dipengaruhi oleh faktor lain yang tidak dibahas dalam penelitian ini. Kata Kunci: Produk, Harga, Promosi, Tempat, Loyalitas Konsumen.
The Effect of Competence and Compensation on Employee Performance at the Amandraya Community Health Center, Mediated by Job Satisfaction Laia, Ariston; Halawa, Odaligoziduhu; Bate'e, Maria Magdalena; Telaumbanua, Eliagus
ProBisnis : Jurnal Manajemen Vol. 16 No. 5 (2025): October: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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Abstract

This research is motivated by the crucial role of employee performance in achieving organizational goals, particularly in the health sector. Initial observations revealed that the performance of employees at the Amandraya Community Health Center was suboptimal, potentially due to low job satisfaction. This study aims to examine the influence of competence and compensation on employee performance, with job satisfaction as a mediating variable, and to provide recommendations for managerial improvement. The study also seeks to identify factors contributing to job satisfaction to better understand the relationship between competence, compensation, and performance. The research employs a quantitative method, with data collected via questionnaires distributed to 64 employees. The analysis results indicate a positive and significant relationship between competence and performance, as well as between compensation and performance. Employees with higher competence and those receiving fair, adequate compensation tend to be more motivated and productive. Job satisfaction was found to mediate the relationship between competence and compensation on performance, suggesting that creating a supportive work environment, enhancing competence, and improving compensation systems can boost both job satisfaction and performance. The findings highlight the need for effective management of competence and compensation while giving attention to job satisfaction to improve overall employee performance at the Amandraya Community Health Center.
Analysis of the Kiosk Rental Pricing System in Increasing Revenue at the Regional Public Company of Ya’ahowu Market Gunungsitoli–Nias Mendrofa, Dista Wati; Bate'e, Maria Magdalena; Mendrofa, Martha Surya Dinata; Telaumbanua, Eliagus
ProBisnis : Jurnal Manajemen Vol. 16 No. 5 (2025): October: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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Abstract

This study aims to analyze the kiosk rental pricing system as an effort to increase the revenue of the Regional Public Company (Perumda) Pasar Ya’ahowu Gunungsitoli – Nias, as well as to identify the influencing factors. The background of this research is based on the increasing number of vacant kiosks, indicating a low level of tenant interest, which is suspected to be caused by a suboptimal pricing system, including factors such as location and purchasing power. The research method used is descriptive qualitative, with data collection techniques through observation, in-depth interviews, and documentation. Research informants consisted of market management and kiosk tenants. The results of the study indicate that the pricing system remains administrative in nature and has not fully considered market aspects such as consumer segmentation, competitive conditions, and purchasing power. Internal factors such as operational costs and company revenue targets influence pricing policies, while external factors include kiosk location, local economic conditions, and competing businesses. The pricing strategy applied has not fully adapted to market dynamics, and although price evaluations are conducted periodically, they have not been responsive to changes in demand and kiosk conditions. The findings suggest that a fair, flexible, and market-oriented pricing system is necessary to increase kiosk occupancy and sustainably boost company revenue.
The Influence of Financial Literacy on The Consumer Behavior of Housewives in Sirombu Village Sirombu District West Nias Regency Marulafau, Imadulhaq; Telaumbanua, Aferiaman; Bate'e, Maria Magdalena; Harefa, Idarni
ProBisnis : Jurnal Manajemen Vol. 16 No. 5 (2025): October: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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Abstract

Poor financial management often triggers economic instability and disrupts household harmony, particularly when housewives engage in consumptive behavior. This study examines the effect of financial literacy on the consumptive behavior of housewives in Sirombu Village, West Nias Regency. Using a quantitative associative method, the research involved 74 respondents selected through purposive sampling. Data were collected through Likert-scale questionnaires and analyzed using simple linear regression. The findings reveal that financial literacy significantly and negatively affects consumptive behavior, as represented by the regression equation Y = 60.023 – 0.472X. The coefficient of determination (R²) indicates that financial literacy contributes 43.9% to reducing consumptive tendencies, while the remaining 56.1% is influenced by other external factors. These results confirm that higher levels of financial literacy enable housewives to manage expenses wisely, distinguish between needs and desires, and prevent impulsive consumption. The study highlights the urgent need for financial education programs in rural areas to strengthen household financial resilience and support sustainable family welfare.
Pengaruh Literasi Keuangan terhadap Penggunaan Financial Technology pada Masyarakat Milenial Desa Simae’asi Kabupaten Nias Barat Gulo, Nasrani; Telaumbanua, Aferiaman; Duha, Tiarni; Bate'e, Maria Magdalena
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2457

Abstract

Perkembangan teknologi keuangan (fintech) telah memudahkan masyarakat dalam melakukan transaksi keuangan, namun rendahnya literasi keuangan di daerah pedesaan menimbulkan risiko penggunaan yang tidak bijak. Generasi milenial sebagai kelompok yang paling aktif menggunakan teknologi menjadi objek penting untuk dikaji, terutama dalam konteks wilayah 3T seperti Desa Simae’asi, Kabupaten Nias Barat. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan terhadap penggunaan fintech oleh masyarakat milenial. Metode penelitian menggunakan pendekatan kuantitatif dengan teknik survei. Populasi penelitian berjumlah 120 orang milenial di Desa Simae’asi, dengan sampel 55 responden yang dipilih secara purposive berdasarkan kriteria pernah menggunakan layanan fintech dan memiliki penghasilan tetap. Data dikumpulkan melalui kuesioner tertutup dan dianalisis menggunakan regresi linier sederhana dengan bantuan perangkat lunak IBM SPSS 26. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap penggunaan fintech. Hal ini berarti semakin tinggi tingkat literasi keuangan yang dimiliki individu, semakin bijak, hati-hati, dan optimal pula penggunaan layanan fintech yang dilakukan. Temuan ini sejalan dengan penelitian terdahulu yang menekankan peran literasi keuangan dalam meningkatkan perilaku keuangan digital. Penelitian ini memberikan kontribusi teoritis dalam memperkuat bukti empiris bahwa literasi keuangan berperan penting dalam mendorong perilaku penggunaan fintech, serta kontribusi praktis bagi pemerintah desa, lembaga keuangan, dan OJK dalam merancang program edukasi keuangan yang sesuai dengan karakteristik masyarakat pedesaan. Dengan demikian, peningkatan literasi keuangan diharapkan dapat mendukung inklusi keuangan digital yang cerdas, aman, dan berkelanjutan.
Pengaruh Gaya Hidup terhadap Perilaku Keuangan Mahasiswa Jurusan Manajeman Konsentrasi Keuangan Fakultas Ekonomi Universitas Nias Gea, Sukur Arman; Telaumbanua, Aferiaman; Zebua, Serniati; Bate'e, Maria Magdalena
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2464

Abstract

Gaya hidup adalah pola perilaku individu yang tercermin melalui cara berpikir, bertindak, serta memilih aktivitas dalam kehidupan sehari-hari, serta sering kali dijadikan sebagai sarana untuk menegaskan identitas dan kedudukan sosial. Sedangakan perilaku keuangan adalah pola tindakan individu dalam mengelola sumber daya keuangannya yang tercermin melalui cara membelanjakan uang, menabung, berinvestasi, serta mengatur utang. Mahasiswa Fakultas Ekonomi Universitas Nias memiliki gaya hidup yang berperan dalam memengaruhi perilaku keuangan mereka, namun pengaruh gaya hidup tersebut terhadap perilaku keuangan cenderung lebih rendah. Hasil penelitian menunjukan bahwa: 1 Variabel Gaya Hidup (X) berpengaruh positif terhadap Perilaku Keuangan (Y). Hal ini dibuktikan melalui uji validitas yang menunjukkan nilai Sig. < 0,05 sehingga dapat dinyatakan valid, serta uji reliabilitas yang memperoleh nilai Cronbach’s Alpha untuk variabel Gaya Hidup sebesar 0,873 dan Perilaku Keuangan sebesar 0,893, yang keduanya lebih besar dari 0,70 sehingga dinyatakan reliabel. 2 Hasil uji hipotesis melalui regresi linear sederhana memperoleh persamaan Y = 32,970 + 0,460X dengan nilai t hitung 3,119 > t tabel 2,030, maka Ha diterima Ho ditolak dan signifikansi 0,004 < 0,05. Hal ini membuktikan bahwa gaya hidup berpengaruh positif dan signifikan terhadap perilaku keuangan mahasiswa. 3 Nilai koefisien determinasi (R Square) sebesar 0,228, yang berarti 22,8% variasi perilaku keuangan dapat dijelaskan oleh gaya hidup, sedangkan sisanya 77,2 % dipengaruhi oleh variabel lain yang tidak diteliti dalam penelitian ini.
Pengaruh Financial Technology dan Inklusi Keuangan terhadap Perkembangan UMKM Sektor Kreatif di Kota Gunungsitoli Maulana, Vyeckrye; Duha, Tiarni; Bate'e, Maria Magdalena; Telaumbanua, Aferiaman
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2530

Abstract

Perkembangan teknologi digital membawa peluang besar bagi Usaha Mikro, Kecil, dan Menengah (UMKM), khususnya sektor kreatif. Namun, di Kota Gunungsitoli pemanfaatan financial technology (fintech) dan inklusi keuangan masih terbatas. Penelitian ini bertujuan untuk menganalisis pengaruh financial technology dan inklusi keuangan terhadap perkembangan UMKM sektor kreatif di Kota Gunungsitoli. Metode penelitian menggunakan pendekatan kuantitatif dengan survei melalui kuesioner skala Likert kepada 112 pelaku UMKM kuliner yang dipilih dengan teknik sampling jenuh. Data dianalisis menggunakan regresi linear berganda dengan uji validitas, reliabilitas, asumsi klasik, uji t, uji F, dan koefisien determinasi. Hasil penelitian menunjukkan bahwa financial technology berpengaruh positif dan signifikan terhadap perkembangan UMKM dengan kontribusi 47,5%, sedangkan inklusi keuangan juga berpengaruh positif dan signifikan dengan kontribusi 37,2%. Hasil uji t mengonfirmasi bahwa kedua variabel berpengaruh signifikan secara parsial, sedangkan hasil uji F menunjukkan bahwa financial technology dan inklusi keuangan berpengaruh signifikan secara simultan terhadap perkembangan UMKM. Secara keseluruhan, kedua variabel mampu menjelaskan perkembangan UMKM sektor kreatif sebesar 70%, sedangkan sisanya dipengaruhi faktor lain di luar penelitian ini. Temuan ini menegaskan bahwa penerapan fintech dan perluasan akses keuangan formal menjadi faktor penting dalam mendorong pertumbuhan UMKM sektor kreatif di era digital.
Analisis Faktor-Faktor yang Mempengaruhi Proses Penyusunan Anggaran Berbasis Kinerja di Credit Union Sohagaini Lahusa Gomo Hulu, Antonius Julius; Duha, Tiarni; Bate'e, Maria Magdalena; Harefa, Idarni
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2560

Abstract

Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi proses penyusunan anggaran berbasis kinerja, kendala yang dihadapi dalam implementasi penyusunan anggaran berbasis kinerja dan strategi yang dapat dilakukan dalam meningkatkan kualitas penyusunan anggaran berbasis kinerja di Credit Union Sohagaini Lahusa Gomo.Hasil penelitian ini Penyusunan anggaran berbasis kinerja di Credit Union Sohagaini Lahusa Gomo dipengaruhi oleh faktor transparansi, akuntabilitas, disiplin, keadilan, efisiensi, dan efektivitas. Namun, pelaksanaannya masih terkendala oleh kurangnya pemahaman, keterbatasan SDM, lemahnya monitoring, dan gangguan eksternal. Untuk mengatasi hal ini, strategi yang diterapkan mencakup pelatihan SDM, penguatan evaluasi, pemanfaatan teknologi, peningkatan partisipasi, dan koordinasi yang lebih baik guna mewujudkan anggaran yang efisien dan berorientasi hasil.
Co-Authors Ayler Beniah Ndraha Bate'e, Pius Berkat Iman Bawamenewi, Afolo Bawamenewi, Angerago Bawamenewi, Ernawati Bu'ulolo, Nanny Artatina Buulolo, Erlian Sari Duha, Tiarni ELIYUNUS WARUWU Gea, Iman Kasih Gea, Jeliswan Berkat Iman Jaya Gea, Sukur Arman Gea, Wilfrida Witeri Giawa, Desiman Giawa, Doniusman Gulo, Destin Gulo, Eferlin Gulo, Heniwati Gulo, Heribertus Gulo, Mart Hayanti Gulo, Nasrani Halawa, Fanotona Halawa, Forman Harefa, Darwin Harefa, Idarni Harefa, Listi Nurmei Delima Harefa, Peringatan Harefa, Sama Anak Harefa, Serniati Zebua, Idarni Hia, Almuzizah Hia, Leader Mawarni Solidaritas Hulu, Antonius Julius Hulu, Dafril Hulu, Perlindungan Faebuadodo Kakisina, Sophia Molinda Laia, Ariston Laia, Otanius laoli, Eka putri nanjaya Laoli, Ignes Monica Laoli, Jeni Astuti Laoli, Yenoria Suwarni Larosa, Yoel Melsaro Lase, Delipiter Lase, Fajariman Lase, Haniel Oktoberius Lase, Heseziduhu Lase, Ramalan Wati Lase, Ranto Riston Lase, Soterius Lombu, Roni Ariaman Marulafau, Imadulhaq Maulana, Vyeckrye Mawati Hulu, Ritaris Gus Meiman Hidayat Waruwu Mendrofa, Dista Wati Mendrofa, Happy Karya Kasih Mendrofa, Martha Surya Dinata Mendrofa, Selvinus Berkat Totonafo Mendrofa, Yupiter Nainggolan, Firmatogu Ndraha, Katharina Kaeni Wartey Jemefal Jens Ndruru, Hubertus Harisman Odaligoziduhu Halawa Otanius Laia, Sukaaro Waruwu, Palindungan Lahagu S Zai, Kurniawan Sabola, Sesilia Agustina Serniati Zebua Silviani, Sherly Tafonao, Inca Nyaman Telaumbanua, Aferiaman Telaumbanua, Ida Suryani Telaumbanua, Rinta Astuti Telaumbanua, Vita Levda Waruwu, Novi Ratna Suryani Waruwu, Petra Rela Aktif Iman Waruwu, Robin Markus Putra Waruwu, Sopia Zai, Kurniawan Sarototonafo Zai, Mei Karianus Zalukhu , Yuterlin Zalukhu, Risma Nelly Zalukhu, Yuterlin Zebua, Berkat Putra Zebua, Dedi Irawan Zebua, Filiriang Zebua, Jeli Asri Susanti Zebua, Putra Bakti Zega, Jhonatan Herfandi Zega, Yamolala Zendrato, Kristiani