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All Journal JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Jurnal EMT KITA JURNAL MUQODDIMAH : Jurnal Ilmu Sosial, Politik dan Hummaniora YUME : Journal of Management Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Suluh Pendidikan Journal of Management - Small and Medium Enterprises (SME's) Economics and Digital Business Review Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Jurnal Ilmu Ekonomi Manajemen dan Akuntansi Arus Jurnal Sosial dan Humaniora ProBisnis : Jurnal Manajemen Jurnal Dehasen Untuk Negeri JURNAL TUNAS PENDIDIKAN Golden Ratio of Data in Summary Economics and Business Journal Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Journal of Management, Economic, and Accounting The Manager Reveiew Jurnal Ekonomi, Manajemen, Akuntansi
Telaumbanua, Aferiaman
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Religion Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science 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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Analisis Kinerja Keuangan pada Koperasi Simpan Pinjam Generasi Mandiri Sejahtera (KSP-GMS) Cabang Nias Timur, Kecamatan Gomo, Kabupaten Nias Selatan Periode 2021-2023 Tafonao, Suryanti; Telaumbanua, Aferiaman; Buulolo, Nanny Artatina; Gea, Jeliswan Berkat Iman Jaya
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.v4i3.2646

Abstract

Penelitian ini bertujuan untuk menganalisis kinerja keuangan Koperasi Simpan Pinjam Generasi Mandiri Sejahtera (KSP-GMS) Cabang Nias Timur, Kabupaten Nias Selatan, selama periode 2021–2023. Analisis dilakukan dengan pendekatan deskriptif kuantitatif menggunakan rasio keuangan likuiditas dan rentabilitas sesuai standar Peraturan Menteri Koperasi dan UKM No. 06/Per/M.KUKM/V/2006. Data diperoleh dari laporan keuangan tahunan selama tiga tahun. Hasil analisis menunjukkan bahwa kinerja keuangan KSP-GMS berada dalam kategori sangat sehat meskipun mengalami penurunan setiap tahun, namun masih sesuai dengan standar industri. Rasio likuiditas dan rentabilitas mencerminkan kemampuan koperasi dalam memenuhi kewajiban jangka pendek serta efisiensi pengelolaan dana anggota. Disarankan agar koperasi terus meningkatkan efisiensi operasional untuk menjaga stabilitas kinerja keuangan ke depan.
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

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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.
Evaluasi Pengangkatan Perangkat Desa di Desa Gawu-Gawu Bo’uso Kecamatan Gunungsitoli Utara Kota Gunungsitoli Zega, Evi Pebriani; Ndraha, Ayler Beniah; Telaumbanua, Aferiaman; Telaumbanua , Eliagus
Arus Jurnal Sosial dan Humaniora Vol 5 No 1: April (2025)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v5i1.1051

Abstract

Pengelolaan sumber daya manusia dalam pemerintahan desa merupakan aspek krusial dalam memastikan efektivitas pelayanan publik dan tata kelola pemerintahan yang baik. Penelitian ini mengevaluasi proses pengangkatan perangkat desa di Desa Gawu-Gawu Bo’uso, Kecamatan Gunungsitoli Utara, Kota Gunungsitoli, dengan fokus pada kepatuhan terhadap regulasi Permendagri Nomor 83 Tahun 2015 yang telah direvisi dengan Permendagri Nomor 67 Tahun 2017. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan teknik pengumpulan data melalui observasi, wawancara mendalam, dan studi dokumentasi. Hasil penelitian menunjukkan bahwa proses seleksi perangkat desa masih menghadapi berbagai kendala, seperti rendahnya transparansi, dominasi faktor sosial-budaya, serta kurangnya pemahaman masyarakat terhadap regulasi yang berlaku. Faktor patronase, keterbatasan ekonomi, serta rendahnya keterlibatan masyarakat dalam pengawasan proses seleksi menjadi hambatan utama dalam penerapan kebijakan yang lebih akuntabel. Evaluasi terhadap mekanisme seleksi juga menunjukkan adanya kecenderungan praktik nepotisme yang berdampak pada rendahnya kualitas sumber daya manusia yang diangkat. Kesimpulan dari penelitian ini menegaskan bahwa peningkatan sosialisasi regulasi, penerapan mekanisme seleksi berbasis kompetensi, serta penguatan pengawasan oleh pemerintah kecamatan dan masyarakat diperlukan untuk meningkatkan kualitas pengangkatan perangkat desa yang lebih profesional dan akuntabel
The Effect of Financial Literacy on the Financial Management of Students Halawa, Ester; Bate’e, Maria Magdalena; Bu’ulolo, Nanny A.; Telaumbanua, Aferiaman
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.569

Abstract

This study aims to determine the effect of financial literacy on financial management of SMA Negeri 1 Ulunoyo students and the magnitude of the effect of financial literacy on financial management of SMA Negeri 1 Ulunoyo students. The method used in this research is quantitative method. The data collection technique used a questionnaire (Likert Scale). Data analysis techniques used to strengthen questionnaire data are validity test, reliability test, correlation coefficient, linear regression, determinant coefficient, hypothesis testing, normality test, multicollinearity test and heteroscedasticity test. This study used 58 respondents with Simple Random Sampling data collection technique. The results of this study indicate that Financial Literacy affects the Financial Management of SMA Negeri 1 Ulunoyo, South Nias Regency by 54.8%, while 45.2% is influenced by factors not in this study. With increased financial literacy, students will increasingly manage their finances wisely, carefully and regularly by applying indicators of each financial literacy variable and financial management variable, so that students can prepare for future needs and finances.
Analysis of the Implementation of Risk Management to Minimize the Risk of Bad Credit at the Nias Rural Development Savings and Loans Cooperative (KSP3) Gunungsitoli Branch Daeli, Seniati; Telaumbanua, Aferiaman; Harefa, Idarni; Baene, Eduar
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.577

Abstract

This study aims to determine the application of risk management carried out by the Nias Rural Development Savings and Loan Cooperative (KSP3) Gunungsitoli Branch in minimizing the risk of bad loans. In this study, the type of research used is a descriptive type with a qualitative approach. Data collection techniques are used through observation, interviews and documentation. To obtain information, the researcher conducted direct interviews with 6 informants, namely branch heads, 2 employees and 3 members of the Nias Rural Development Savings and Loan Cooperative (KSP3) Gunungsitoli Branch. The data analysis techniques used in qualitative research include transcripts of interview results, data reduction, data presentation and conclusion drawn. The results of the study show that the implementation of risk management carried out by the Nias Rural Development Savings and Loan Cooperative (KSP3) Gunungsitoli Branch is carried out through a series of stages, namely risk identification, risk measurement, risk monitoring and risk control. The implementation of risk management to minimize the risk of bad loans has been effectively implemented by KSP3 Nias Gunungsitoli Branch as evidenced by the NPL (Non-Performing Loan) rate from 2020-2022 which is still below 5%.
Analysis of Transparency and Accountability of the Health Operational Assistance (BOK) Budget at Sirombu Inpatient Health Center Zai, Agus Ringanto; Zebua, Serniati; Kakisina, Sophia Molinda; Telaumbanua, Aferiaman
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.663

Abstract

Health Operational Assistance (HOA) is a fund that is used to ease the public burden on financing the health sector, especially service in community health centers, reduction in maternal mortality, infant mortality and malnutrition. Puskesmas Sirombu as a health service unit is used as a medical center for the welfare of the community, but in reality the Puskesmas Sirombu has not been optimal in realizing the budgeted funds. This study aims to determine the transparency and accountability of budget execution Bantuan Operasional Kesehatan (BOK) at Puskesmas Rawat Inap Sirombu in 2021. The research sample was taken using the method purposive sampling (specific goals or criteria). The data analysis technique used is triangulation method which combines in-depth interviews and document searches and triangulation of sources using different information to do cross check information from several sources, to improve the results of the data obtained when getting different data. Based on the research results, it can be concluded that the Puskesmas Sirombu has implemented its transparency and accountability well but has not been optimal in managing the budget for transportation assistance for Health Operational Officers (BOK), this can be seen from the fact that some of the budget was not realized.
The Effect of Price on Consumer Purchase Decisions Gea, Kurniawan; Bate’e, Maria Magdalena; Zebua, Emanuel; Telaumbanua, Aferiaman
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.671

Abstract

This study aims to determine whether financial inclusion has a positive effect on the sustainability of the SME sector in Lotu District, North Nias Regency, and to determine how much influence financial inclusion has on the sustainability of the SME sector, and to determine whether financial inclusion can overcome the challenges experienced by SME actors. The study was conducted in Lotu District, North Nias Regency. The research method used is a quantitative method with data collection through the distribution of questionnaires, documentation, and interviews, observations. The respondents in this study were 63 SME respondents. The results of this study indicate that the influence of financial inclusion has an influence on the sustainability of the SME sector by 20.4%. With increasing financial inclusion, it will further encourage SME actors to develop their businesses in the future.
Analisis Penerapan Standar Operasional Prosedur Dalam Pelaksanaan Kerja di UPT Pelayanan Sosial Anak Gunungsitoli Halawa, Nori Hati; Telaumbanua, Aferiaman; Zebua, Serniati; BIJ, Jeliswan
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana penerapan SOP dalam pelaksanaan kerja yang ada di UPT Pelayanan sosial anak gunungsitoli. Penelitian ini dilakukan pada UPT Pelayanan Sosial Anak Gunungsitoli Dinas Sosial Provinsi Sumatera Utara, Yang berlokasi di Jln, Sukarno No.11 Gunungsitoli, dengan mengumpulkan data dan informasi dari narasumber yakni kepala UPT Pelayanan Sosial Anak Gunungsitoli, Sub Bag Tata Usaha, Kasie Terminasi, Kasih Asuhan. Jenis penelitian yang digunakan adalah penelitian kualitatif. Adapun teknik pengumpulan data yakni mengunakan teknik observasi, wawancara mendalam dan dokumentasi. Hasil wawancara dengan para narasumber dalam penelitian ini menunjukkan bahwa Standar Operasional Prosedur (SOP) merupakan pedoman yang berisi alur atau tahapan-tahapan dalam melaksanakan kegiatan sesuai dengan aturan yang berlaku. Penerapan Standar operasional prosedur akan berdampak pada peningkatan kualitas kerja pegawai. Hal ini dapat dilihat dari dokumen Sasaran Kerja Pegawai (SKP) yang di dalamnya terdapat capaian kinerja pegawai dan rincian kegiatan apa saja yang dilakukan oleh pegawai.
Analisis Penerapan Keselamatan dan Kesehatan Kerja pada PT Cahaya Baru Shipyard Lase, Niscaya Iradat; Telaumbanua, Aferiaman; Mendrofa, Syah Abadi; Lase, Delipiter
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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Abstract

Untuk meminimalisasi resiko kecelakaan dan penyakit akibat kerja maka perlu diterapkannya keselamatan dan kesehatan kerja, karena dampak dari kecelakaan dan penyakit akibat kerja tidak hanya merugikan karyawan, tetapi juga perusahaan dan lingkungan. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana penerapan keselamatan dan kesehatan kerja pada PT Cahaya Baru Shipyard. Penelitian ini menggunakan pendekatan deskriptif dengan jenis penelitian kualitatif. Berdasarkan hasil penelitian diperoleh kesimpulan bahwa PT Cahaya Baru Shipyard telah menerapkan K3 dengan cukup baik dengan cara memberikan alat pelindung diri, memasang tanda-tanda bahaya dan petunjuk arah di tempat kerja, melakukan inspeksi rutin terhadap kondisi lingkungan kerja dan peralatan kerja, membuat tim penanggulangan bahaya dan kecelakaan kerja yang terdiri dari karyawan yang telah diberikan pelatihan, serta melakukan pengawasan yang ketat dan berlapis
Analisis Pengaruh Literasi dan Intensitas Inklusi Keuangan Terhadap Financial Technology Mahasiswa di Universitas Nias Permana Harefa, Abdiwan Dixit; Harefa, Idarni; Faebuadodo Hulu, Perlindungan; Telaumbanua, Aferiaman
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i1.8222

Abstract

Financial techonology ialah salah satu metode pelayanan jasa dibidang keuangan yang populer di era digital. Pemerintah dan masyarakat sangat mengharapkan agar dengan adanya financial technology dapat meningkatkan akses terhadap layanan keuangan. Penelitian ini bertujuan untuk mengetahui bagaimana peran literasi keuangan dan intensitas inklusi keuangan dalam mendorong perkembangan financial technology. Penelitian ini menggunakan analisis stucture equation model partial least square (SEM-PLS) dengan alat bantu berupa software SmartPls serta didukung dengan data dari kuesioner yang dibagikan secara online kepada para mahasiswa pengguna layanan financial technology di Universitas Nias. Penelitian ini menemukan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap financial technology mahasiswa di Universitas Nias. Kemudian intensitas inklusi keuangan berpengaruh positif dan signifikan terhadap financial technology mahasiswa di Universitas Nias serta Literasi dan intensitas keuangan berpengaruh positif dan signifikan secara simultan terhadap Financial Technology mahasiswa di Universitas Nias.
Co-Authors Ayler Beniah Ndraha Baene, Eduard Bate'e, Maria Magdalena Bate'e, Pius Berkat Iman Batee, Maria Magdalena Bate’e, Maria M. Bate’e, Maria Magdalena BIJ, Jeliswan Buulolo, Nanny A. Buulolo, Nanny Artatina Bu’ulolo, Nanny A. Bu’ulolo, Nanny Artatina Daeli, Mujur Kurniawati Daeli, Seniati Duha, Tiarni Eliagus Telaumbanua Faebuadodo Hulu, Perlindungan Gea, Christian Yasaro Gea, Heppy Lianus Gea, Jeliswan Berkat Iman Jaya Gea, Katarina Syukur Arniwati Gea, Kurniawan Gea, Nov Elhan Gea, Sukur Arman Giawa, Doniusman Giawa, Fani Eldiana Golu, Noni Netralis Gulo, Foster Herwin Gulo, Heniwati Gulo, Nasrani Gulo, Noni Netralis Gulo, Susimawati Gulo, Ya’aman Halawa, Ester Halawa, Forman Halawa, Nori Hati Halawa, Roi Martin Halawa, Roswita Harefa, Agnes Faustine Harefa, Elvinna Harefa, Idarni Harefa, Krisno Berkat Harefa, Peringatan Harefa, Ronand Sona Sowa’a Hia, Steven Silverius Hondo, Elgius Hulu, Intan Permata Hati Hulu, Perlindungan F. Hulu, Perlindungan Faebuadodo Hulu, Tri Hartati Sukartini Kakisina, Shopia Molinda Kakisina, Sophia Molinda Laia, Otanius Laoli, Natalia Lase, Berkat Ricky Selamat Lase, Delipiter Lase, Kartini Lase, Niscaya Iradat Lawolo, Junius Marulafau, Imadulhaq Maulana, Vyeckrye Meiman Hidayat Waruwu Mendrofa, Martha Surya Dinata Mendrofa, Syah Abadi Mendrofa, Yupiter Nazara, Sanaria Ndruru, Suharjono Permana Harefa, Abdiwan Dixit Serniati Zebua Tafonao, Anuwarlin Tafonao, Suryanti Telaumbanua, Sri Lestari Telaumbanua, Widya Fransiska Telaumbanua, Yukarni Waruwu, Novi Ratna Suryani Waruwu, Noviza Asni Waruwu, Putri Destari yamolala, yamolala Zai, Agus Ringanto Zai, Kurniawan Zai, Kurniawan Sarototonafo Zai, Vinsen April Linus Zebua, Alfandi Zebua, Dedi Irawan Zebua, Emanuel Zebua, Fakta Solala Zebua, Hamid Rinaldo Zebua, Idam Eltri Zebua, Putra Bakti Zebua, Seniarti Zega, Aperianto Zega, Evi Pebriani Zega, Rohani Zega, Wan Riang Zega, Yamolala Zendrato, Dafid Tricandra