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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis 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) Economics and Digital Business Review 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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Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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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.
Pengaruh Financial Technology Terhadap Perilaku Keuangan Generasi Z Pada Mahasiswa Di Fakultas Ekonomi Universitas Nias Laoli, Jeni Astuti; Harefa, Idarni; 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.v4i3.2717

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh fintech terhadap perilaku keuangan mahasiswa. Penelitian ini menggunakan pendekatan kuantitatif. Data dikumpulkan melalui kuesioner yang disebarkan secara berani kepada mahasiswa Fakultas Ekonomi Universitas Nias. Teknik analisis yang digunakan adalah regresi linier untuk mengetahui pengaruh penggunaan fintech terhadap perilaku keuangan, dengan fokus pada konsumsi, manajemen arus kas, dan kebiasaan menabung. Hasil penelitian menunjukkan bahwa penggunaan Financial Technology berpengaruh positif dan signifikan terhadap perilaku keuangan mahasiswa Generasi Z. Fintech membantu mereka menjadi lebih sadar, teratur, dan efisien dalam mengelola keuangan. Fitur-fitur yang mudah diakses dan digunakan mendorong perilaku keuangan yang lebih baik, seperti pengendalian pengeluaran, manajemen kas, dan kebiasaan menabung. Penggunaan fintech mendorong pengelolaan keuangan yang lebih baik dan terarah. Hasil statistik mendukung bahwa setiap peningkatan penggunaan fintech berkontribusi uterhadap peningkatan perilaku keuangan nyata dan dapat dibuktikan secara empiris.
Pengaruh Kualitas Produk Terhadap Loyalitas Konsumen Baju Adat Nias Di Toko Vivin Kota Gunungsitoli Bawamenewi, Ernawati; Bate'e, Maria Magdalena; Harefa, Serniati Zebua, Idarni
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.v8i3.10038

Abstract

Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh Kualitas Produk terhadap Loyalitas Konsumen Baju Adat Nias di Toko Vivin, Kota Gunungsitoli. Sampel penelitian adalah 80 orang konsumen yang membeli di Toko Vivin. Metode yang digunakan adalah penelitian kuantitatif dengan teknik analisis data berupa regresi linear sederhana. Hasil pengujian menunjukkan bahwa kualitas produk berpengaruh terhadap loyalitas konsumen. Nilai koefisien determinasi (R Square) sebesar 0,534 atau 53,4%. Artinya, Kualitas Produk (X) memberikan kontribusi sebesar 53,4% terhadap Loyalitas Konsumen (Y) di Toko Vivin Gunungsitoli, sedangkan sisanya 46,6% dipengaruhi oleh variabel lain yang tidak diteliti. Berdasarkan hasil uji t dengan taraf signifikansi 0,05, diperoleh nilai t hitung untuk variabel Kualitas Produk (X) sebesar 9,449. Nilai ini lebih besar dari t tabel (1,991) dengan df = 78, serta nilai signifikansi 0,000 < 0,05. Hal ini menunjukkan bahwa Ha diterima dan H0 ditolak, yang berarti kualitas produk berpengaruh signifikan terhadap loyalitas konsumen. Kata Kunci: Kualitas Produk, Loyalitas Konsumen
The Effect of Promotion on Mobile Phone Purchase Decisions at CV Tricomsel Gunungsitoli-Nias Zebua, Putra Bakti; Telaumbanua, Aferiaman; Mendrofa, Yupiter; Bate'e, Maria Magdalena
ProBisnis : Jurnal Manajemen Vol. 16 No. 5 (2025): October: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study examines the influence of promotion on consumer purchasing decisions of mobile phone products at CV. Tricomsel Gunungsitoli-Nias. Promotion is considered a crucial element in the marketing mix that shapes consumer behavior and purchasing patterns. A quantitative research approach was employed, using primary data collected through questionnaires distributed to 62 respondents selected via simple random sampling from a population of 160 consumers. The research instruments were tested for validity and reliability, and the data were analyzed using simple linear regression, t-test, and coefficient of determination (R²). The findings reveal that promotion has a positive and significant effect on purchasing decisions. The regression coefficient (B = 0.588) indicates a positive relationship, with a calculated t-value of 7.764, which exceeds the t-table value. Furthermore, the significance level (0.000) is below 0.05, confirming the strong effect of promotion on purchasing behavior. The R² value of 0.501 demonstrates that 50.1% of purchasing decisions are explained by promotional activities, while the remaining 49.9% are influenced by other factors not addressed in this study. These results highlight the importance of developing innovative promotional strategies to strengthen competitiveness in the mobile phone retail industry, particularly within the local market context of Gunungsitoli-Nias.
The Effect of Total Quality Management (TQM) on Customer Satisfaction at UD Fani Mabel Products Gea, Iman Kasih; Gea, Jeliswan Berkat Iman Jaya; Zai, Kurniawan Sarototonafo; Bate'e, Maria Magdalena
ProBisnis : Jurnal Manajemen Vol. 16 No. 5 (2025): October: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study investigates the influence of Total Quality Management (TQM) on customer satisfaction at UD. Fani Mabel, a local panglong business in Nias. The research was motivated by persistent challenges, such as inconsistent product quality, delivery delays, and limited responsiveness to customer complaints, which highlight the suboptimal implementation of TQM principles. The objective of this study is to determine whether TQM significantly affects customer satisfaction and to measure the extent of its impact. A quantitative research method with an associative approach was employed, involving a population of 43 individuals consisting of employees and customers. Data collection was conducted through observation and questionnaires using a Likert scale. The data were analyzed using validity and reliability tests, simple linear regression, correlation coefficients, and hypothesis testing with SPSS version 26. The findings indicate that TQM dimensions customer focus, continuous improvement, and employee involvement have a positive and significant influence on customer satisfaction. This suggests that the better the application of TQM, the higher the satisfaction achieved by customers. The study concludes that enhancing consistency in product quality, standardizing production processes, and improving service responsiveness are crucial for achieving sustainable customer satisfaction at UD. Fani Mabel.
The Influence of Brand Image and Service Quality on Indihome Customer Loyalty at PT Telekomunikasi Indonesia (Telkom) in Gunungsitoli City Telaumbanua, Rinta Astuti; Mendrofa, Yupiter; Zalukhu, Yuterlin; Bate'e, Maria Magdalena
ProBisnis : Jurnal Manajemen Vol. 16 No. 5 (2025): October: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The rapid advancement of communication technology and the increasing demand for internet access have intensified competition among internet service providers in Indonesia. IndiHome, as a leading product of PT. Telekomunikasi Indonesia (Telkom), faces challenges in sustaining customer loyalty, particularly in regions such as Gunungsitoli City where infrastructure limitations often lead to unstable connections and delayed technical responses. This study aims to analyze the influence of brand image and service quality on customer loyalty toward IndiHome in Gunungsitoli. A quantitative approach was employed, with data collected through questionnaires distributed to 73 customers. The research variables included brand image and service quality as independent variables, and customer loyalty as the dependent variable. Data analysis was conducted using validity and reliability tests, classical assumption tests, multiple linear regression, t-test, F-test, and the coefficient of determination. The findings reveal that brand image has a positive and significant effect on customer loyalty. Similarly, service quality also exerts a positive and significant influence on customer loyalty. Simultaneously, both brand image and service quality significantly affect loyalty. The coefficient of determination (R²) of 0.529 indicates that 52.9% of customer loyalty is explained by these two variables, while the rest is influenced by other factors not examined in this study.
Implementation Of Coretax In Improving Taxpayer Compliance In The Tax Administration System At Cv Kirana Cahaya Sejahtera Waruwu, Temasona Putra; Zai, Kurniawan Sarototonafo; Bate'e, Maria Magdalena
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.8392

Abstract

Tax is a mandatory contribution to the state owed by individuals or bodies that is mandatory based on the Law, without receiving direct compensation and is used for state needs for the greatest prosperity of the people. The purpose of this study is to find out how Coretax is implemented in improving Taxpayer Compliance in the Tax Administration System at CV Kirana Cahaya Sejahtera. The type of study used is quantitative research, namely the method. The purpose of this study is to test existing theories, both to prove their truth and to reject the theory. The data used in this study are primary data and secondary data. Primary data is data obtained directly from the source or can be called primary data. The data collection techniques used are observation, interviews and documentation. The data analysis techniques used are data collection, data presentation, data reduction and conclusion drawing. From the results of the study, it was obtained that the application of the CoreTax system in the tax administration of CV. Kirana Cahaya Sejahtera was built on a comprehensive legal basis, which reflects the government's commitment to modernizing the national taxation system. This legal framework not only provides legitimacy for the implementation of CoreTax, but also regulates technical and operational aspects that guarantee the effectiveness and security of the system. The main basis for the implementation of CoreTax is based on the Law on General Provisions and Tax Procedures (UU KUP) which has undergone several changes to accommodate the development of information technology in tax administration. The DJP Coretax system is a step forward in the digitalization of taxation at CV. Kirana Cahaya Sejahtera, but still faces various challenges that need to be addressed immediately. With improved infrastructure, taxpayer education, and service optimization, it is hoped that this system can provide maximum benefits for all parties.
Tantangan dan Peluang Pelatihan Sumber Daya Manusia Di UPTD Instalasi Farmasi Kabupaten Nias Utara Nias Utara Gea, Wilfrida Witeri; Ndraha, Ayler Beniah; Lahagu, Palindungan; Bate'e, Maria Magdalena
Arus Jurnal Sosial dan Humaniora Vol 4 No 3: Desember (2024)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v4i3.724

Abstract

Penelitian ini bertujuan untuk mengidentifikasi tantangan, peluang, dan strategi dalam pelatihan sumber daya manusia di UPTD Instalasi Farmasi Kabupaten Nias Utara yang baru dibentuk pada September 2023. Penelitian ini menggunakan metode deskriptif kualitatif, dengan lokasi penelitian di UPTD Instalasi Farmasi Kabupaten Nias Utara. Data diperoleh melalui wawancara mendalam dan survei kepada staf UPTD untuk memahami kendala serta potensi yang ada dalam peningkatan kompetensi karyawan. Hasil penelitian menunjukkan bahwa UPTD Instalasi Farmasi menghadapi berbagai tantangan dalam pelatihan sumber daya manusia, terutama keterbatasan anggaran, fasilitas, akses internet, dan infrastruktur. Selain itu, tantangan geografis dan rendahnya literasi teknologi di kalangan karyawan memperlambat adopsi pelatihan berbasis teknologi. Namun, peluang pengembangan juga teridentifikasi, seperti pemanfaatan teknologi digital melalui e-learning dan webinar untuk menjangkau peserta pelatihan dari jarak jauh. Kolaborasi dengan lembaga eksternal, seperti universitas dan institusi farmasi, juga membuka akses bagi UPTD terhadap metode pelatihan dan teknologi yang lebih maju. Kesimpulan dari penelitian ini adalah bahwa UPTD Instalasi Farmasi perlu menerapkan strategi pengembangan infrastruktur teknologi dan kolaborasi eksternal untuk mengatasi tantangan pelatihan. Penguatan konektivitas internet, penyediaan perangkat keras yang memadai, dan pengembangan sistem pelatihan berbasis e-learning menjadi solusi potensial untuk meningkatkan kualitas pelatihan di tengah keterbatasan. Meskipun terdapat kelemahan dalam penelitian ini, terutama dalam pengukuran dampak jangka panjang pelatihan, hasil ini memberikan panduan strategis bagi UPTD Instalasi Farmasi dalam mengoptimalkan pelatihan SDM di masa mendatang.
PENGARUH STRATEGI PEMASARAN TERHADAP KEPUASAN NASABAH PT. TASPEN (PERSERO) CABANG GUNUNGSITOLI Zendrato, Kristiani; Bate'e, Maria Magdalena; Zalukhu, Yuterlin; Zebua, Serniati
Jurnal Warta Dharmawangsa Vol 17, No 3 (2023)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/wdw.v17i3.3580

Abstract

Co-Authors Ayler Beniah Ndraha Bate'e, Pius Berkat Iman Bawamenewi, Afolo Bawamenewi, Angerago Bawamenewi, Ernawati Bu'ulolo, Nanny Artatina Buulolo, Erlian Sari Duha, Sesri Handayani Duha, Tiarni ELIYUNUS WARUWU Gea, Ester Kurniawati Gea, Iman Kasih Gea, Jeliswan Berkat Iman Jaya Gea, Sukur Arman Gea, Wilfrida Witeri Giawa, Desiman Giawa, Doniusman Giawa, Fani Eldiana Gulo, Delisama Gulo, Destin Gulo, Eferlin Gulo, Heniwati Gulo, Heribertus Gulo, Mart Hayanti Gulo, Nasrani Gulo, Resman Halawa, Fanotona Halawa, Forman Harefa, Asrawati Harefa, Darwin Harefa, Idarni Harefa, Listi Nurmei Delima Harefa, Peringatan Harefa, Sama Anak Harefa, Serniati Zebua, Idarni Hia, Almuzizah Hia, Leader Mawarni Solidaritas Hia, Litani Yakini Hulu, Antonius Julius Hulu, Dafril Hulu, Perlindungan Faebuadodo Hulu, Pius Efrem Kakisina, Sophia Molinda Laia, Ariston Laia, Otanius Laia, Yulisman 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, Endang Wijayanti Mendrofa, Happy Karya Kasih Mendrofa, Martha Surya Dinata Mendrofa, Selvinus Berkat Totonafo Mendrofa, Yupiter Nainggolan, Firmatogu Nanny Artatina Buulolo, Tiarni Duha, 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, Berlianty Telaumbanua, Ida Suryani Telaumbanua, Rinta Astuti Telaumbanua, Vita Levda Waruwu, Novi Ratna Suryani Waruwu, Petra Rela Aktif Iman Waruwu, Robin Markus Putra Waruwu, Serius Waruwu, Sopia Waruwu, Temasona Putra Zai, Kurniawan S. 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, Meta Harmonis Zebua, Putra Bakti Zebua, Triwan Putra Zega, Irfan Zega, Jhonatan Herfandi Zega, Rohani Zega, Yamolala Zendrato, Kristiani