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All Journal Jurnal Manajemen dan Profesional MAREN: Jurnal Pengabdian dan Pemberdayaan Masyarakat Jurnal Bisnis Dan Manajemen: Bisman KAMBOTI : Jurnal Sosial dan Humaniora
Silaya, Micrets Agustina
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Religion Arts Humanities Economics, Econometrics & Finance Education Engineering Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences

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PENGARUH PEER TO PEER LENDING TERHADAP KINERJA UMKM KOTA AMBON Talakua, Beatrix Adonia; Silaya, Micrets Agustina
Jurnal Manajemen dan Profesional Vol. 4 No. 2 (2023): Jurnal JPro
Publisher : Program Studi Manajemen Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpro.v4i2.2054

Abstract

ABSTRAC Small and medium-sized enterprises are an important part of the national economy, but they currently face a number of obstacles, including difficulty accessing credit. There are still a number of obstacles to overcome, one of which is difficulty in raising capital and financing due to lack of access to financial institutions. capital and finance because they are not accessible to financial institutions. Poor access to finance in Indonesia means that some small and medium-sized enterprises still cannot access financial institutions, and difficulties in accessing finance affect the performance of businesses. medium and small. To overcome this problem, the government is implementing a financial inclusion program, with technological developments now creating collaboration between technology and finance, commonly known as fintech. One of the classifications of fintech is peer-to-peer lending. The data used were collected using a questionnaire. This study uses simple regression analysis techniques using the test tool, IBM SPSS 25.0. The results of the study indicate that financing has a significant positive effect on the performance of SMEs in Ambon City. Keywords: Peer to peer lending, Financial Performance, SMEs
PkM PENINGKATAN LITERASI KEUANGAN MELALUI PELATIHAN DAN SIMULASI PENGELOLAAN KEUANGAN KELUARGA Silaya, Micrets Agustina; Talakua, Beatrix Adonia; Balik, Dessy
MAREN: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol 4, No 1 (2023): Maret
Publisher : Lembaga Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69765/mjppm.v4i1.1010

Abstract

Keluarga merupakan inti terkecil dalam mendukung pembangunan suatu Negara. Negara dapat berjalan dengan baik apabila seluruh warga negaranya memiliki ekonomi keluarga yang kuat. Oleh karena itu pengabdian ini berfokus pada peningkatan kemampuan pengelolaan keuangan keluarga melalui pelatihan pengelolaan keuangan. Adapun sasaran pada pengabdian masyarakat ini adalah warga di Negeri Makububui Kecamatan Taniwel Timur, Seram Bagian Barat. Pengabdian ini dilakukan karena adanya permasalahan keuangan keluarga masyarakat negeri Makububui, dimana masyarakat cenderung melakukan hutang demi memenuhi kebutuhan yang secara mendadak, masyarakat tidak memiliki simpanan, pendapatan yang diperoleh selalu digunakan habis untuk keperluaan sehari-hari. Program pengabdian ini dilakukan bertujuan agar masyarakat Desa Makububui dapat memperoleh pengetahuan dan ketrampilan dalam mengelola keuangan keluarga yang dapat meningkatkan kesejahteran keluarga. Sehingga materi yang diberikan adalah konsep dan aplikasi pengelolaan keuangan keluarga.
PERBEDAAN PERSEPSI KARYAWAN BERDASARKAN JENIS KELAMIN TERHADAP TIPE KEPEMIMPINAN TRANSAKSIONAL DAN TRANSFORMASIONAL (STUDI PADA PT INDOFOOD SUKSES MAKMUR SEMARANG) Silaya, Micrets Agustina
Bisman - Jurnal Bisnis & Manajemen Vol 2 No 02 (2016): Desember
Publisher : P3M- Politeknik Negeri Kupang

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

Abstract

Today’s life is no longer featured by simplicity as past times, rather it is filled by diversitiesand changes of new way of thinking. Leadership practices based on past theories are no longerable in creating a more fundamental change and what is more needed today is change of behavior,values, and motivation. This fundamental change is essential due to their increasing needs. Inorder to respond those needs, thus a kind of leadership theory was developed that is known astransactional and transformational leadership.In addition to leader, employees have their own important role in running the life oforganization’s business and become active players in every organization’s activities. As we knowthat in general from since birth, men and women are treated differen.Those differences and characteristics will be brought into the working world, and by thepresence of those differences indeed will cause different employee’s perception (point of view)with others, even though they are put together in a same work environment.Therefore, this research has an objective to analyze difference in perception based on genderrelated to transactional and transformational leadership. Research sample was 98 employees ofPT. Indofood Sukses Makmur. Data was collected through questionnaire dissemination. Researchresults showed that there was no difference in perception based on gender.
MENGEKSPLORASI PENGARUH LITERASI KEUANGAN DAN GAYA HIDUP TERHADAP PERILAKU KEUANGAN MAHASISWA DI FAKULTAS EKONOMI DAN BISNIS, UNIVERSITAS KRISTEN INDONESIA MALUKU Silaya, Micrets Agustina
Jurnal Manajemen dan Profesional Vol. 5 No. 3 (2024): Jurnal JPro
Publisher : Program Studi Manajemen Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpro.v5i3.2390

Abstract

Financial responsibility is the process of managing money and other assets in a way that is considered productive. Money management (management finance) is also the process of managing finances effectively and efficiently. This study aims to examine the relationship between financial literacy and lifestyle on students' financial behavior and to determine the differences in financial literacy, lifestyle and financial behavior of students of the faculty of economics and business. This researcher is a quantitative researcher with a data collection technique using a questionnaire. The sample used was 100 students consisting of students of the faculty of economics and business, Universitas Kristen Indonesia Maluku (UKIM), this study used judgment sampling. The data analysis technique used the Classical Assumption Test, Multiple Linear Regression, t-test, f-test, and coefficient of determination. The results of this study are that the financial literacy variable does not affect the financial behavior of students of the faculty of economics and business UKIM. While the lifestyle variable affects the financial behavior of students of the faculty of economics and business UKIM.
Pengaruh Struktur Modal dan Pertumbuhan Penjualan Terhadap Profitabilitas (Studi Kasus PT. Delta Djakarta Tbk) Hermanus, Meykel; Silaya, Micrets Agustina; Laisila, Maya
KAMBOTI: Jurnal Sosial dan Humaniora Vol. 3 No. 1 (2022): KAMBOTI: Jurnal Sosial dan Humaniora
Publisher : Lembaga Layanan Pendidikan Tinggi Wilayah XII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51135/kambotivol3issue1page1-10

Abstract

This study aims to determine how the influence of capital structure on profitability, sales growth on profitability, as well as capital structure and sales growth on profitability at PT. Delta Jakarta Tbk. This research is an exploratory research, with a quantitative descriptive approach through Debt to Equity Ratio (DER), Sales Growth and Return On Asset (ROA) which is analyzed using multiple linear regression method. The results showed that the partial capital structure had a negative effect on profitability with a significant value of 0.033 while partial sales growth with a significant value of 0.211 had a positive effect on profitability, while these two independent variables, namely capital structure and sales growth, simultaneously had a significant effect and significant on profitability with a significant value of 0.041.
Co-Authors Balik, Dessy Hermanus, Meykel Laisila, Maya Talakua, Beatrix Adonia