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Determinant Analysis of Gender Inequality in Human Development in Indonesia Zalukhu, Rika Surianto; Collyn, Daniel
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 4, No 4 (2021): Budapest International Research and Critics Institute November
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i4.2708

The purpose of this research is to examine the impact of poverty, unemployment, economic growth, elderly population, and the average time female education period on gender inequality in human development in Indonesia. The dependent variable is gender inequality. The independent variables are poverty, unemployment, economic growth, elderly population, and female education period. This research was conducted in 34 provinces in Indonesia with an observation period of 2019. The type of data used is secondary data. Data collection was done through online access on Badan Pusat Statistik website. Data analysis method used was multiple regression analysis. The result shown that the number of elderly population and economic growth partially give positive and significant impact on gender inequality in human development in Indonesia. Poverty, unemployment, and the female education period partially give negative and insignificant impact on gender inequality in human development in Indonesia.

Determinant Analysis of Tebing Tinggi Low Public Interest on Using Electronic Money Collyn, Daniel; Zalukhu, Rika Surianto
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 4, No 4 (2021): Budapest International Research and Critics Institute November
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i4.2694

The purpose of this research was to examine the effect of product quality, ease of use and risk on Tebing Tinggi low public interest on using electronic money in transactions. The dependent variable of the study is interest, while the independent variables are product quality, ease of use and risk. This research was conducted on residents of Tebing Tinggi City. The research population is 162,581 people. While the research sample amounted to 399 people. Determination of the number of samples using the slovin formula. The sampling technique used was simple random sampling technique. The type of data used is primary data. Data collection was done by using a questionnaire. Methods of data analysis using multiple linear regression analysis method. The results of the analysis show that product quality and ease of use partially have a positive and significant effect on Tebing Tinggi low public interest on using electronic money in transactions. Meanwhile, risk partially has a negative and significant effect on the interest of Tebing Tinggi low public interest on using electronic money in transactions

SOSIALISASI MANAJEMEN POLA TANAM DAN PENGELOLAAN KEUANGAN BAGI PETANI MILENIAL BINAAN HKTI KOTA TEBING TINGGI Zalukhu, Rika Surianto; Sinurat, Yenni Mariani; Collyn, Daniel; Purba, Anita; Arseto, Dedy Dwi; Sagala, Yomeini Margaret
Jurnal Pengabdian Kepada Masyarakat Patikala Vol. 2 No. 1 (2022): ABDIMAS PATIKALA
Publisher : Education and Talent Development Center of Indonesia (ETDC Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51574/patikala.v2i1.566

Salah satu permasalahan para petani milenial binaan HKTI Kota Tebing Tinggi adalah kurangnya pemahaman tentang strategi manajemen pola tanam dan pengelolaan keuangan usaha tani. Oleh karena itu, kegiatan pengabdian ini dilakukan dengan harapan dapat memberikan kontribusi positif dalam meningkatkan pengetahuan dan wawasan para petani milenial yang mengikuti kegiatan. Kegiatan ini diikuti oleh 32 orang petani milenial binaan HKTI Kota Tebing Tinggi. Kegiatan pengabdian dilaksanakan dalam tiga tahap, yaitu tahap persiapan, tahap pelaksanaan dan tahap evaluasi. Pada tahap evaluasi, pengabdi membagikan kuesioner kepada peserta sebelum dan sesudah pelaksanaan sosialisasi. Hasil evaluasi menunjukkan bahwa kegiatan pengabdian memberikan dampak signifikan dalam meningkatkan pengetahuan dan wawasan peserta pengabdian tentang manajemen pola tanam dan pengelolaan keuangan usaha tani. Peserta memahami arti penting manajemen pola tanam dalam menjamin stabilitas harga dan pasokan yang memberikan keuntungan bagi para petani. Peserta juga memahami arti penting pengelolaan keuangan usaha tani. Bahkan beberapa peserta mampu menyusun laporan keuangan untuk usaha taninya.

Peran perilaku pengelolaan keuangan sebagai mediator dalam meningkatkan kinerja keuangan UMKM di kota Medan Hutauruk, Rapat Piter Sony; Zalukhu, Rika Surianto; Collyn, Daniel; Jayanti, Suci Etri; Damanik, Sri Winda Hardiyanti
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol 10, No 1 (2024): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020243356

Penelitian ini bertujuan menganalisis pengaruh kemampuan menyusun laporan keuangan, literasi keuangan, dan inklusi keuangan terhadap kinerja keuangan UMKM, baik pengaruh langsung maupun pengaruh tidak langsung melalui perilaku pengelolaan keuangan. Penelitian ini merupakan penelitian deskriptif kuantitatif. Penelitian dilakukan kepada 100 orang pelaku UMKM di kota Medan. Teknik penarikan sampel menggunakan teknik simple random sampling. Pengumpulan data dilakukan dengan menggunakan kuesioner. Data dianalisis menggunakan metode analisis jalur (path analisys). Hasil analisis menunjukkan bahwa kemampuan menyusun laporan keuangan, literasi keuangan, dan inklusi keuangan secara parsial berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan UMKM. Kemampuan menyusun laporan keuangan dan literasi keuangan secara parsial berpengaruh positif tidak signifikan terhadap kinerja keuangan UMKM. Sementara itu, inklusi keuangan dan perilaku pengelolaan keuangan secara parsial berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM. Temuan menarik lainnya adalah perilaku pengelolaan keuangan memediasi pengaruh kemampuan menyusun laporan keuangan terhadap kinerja keuangan UMKM. Perilaku pengelolaan keuangan juga memediasi pengaruh literasi keuangan terhadap kinerja keuangan UMKM. Sementara itu, perilaku pengelolaan keuangan tidak memediasi pengaruh inklusi keuangan terhadap kinerja keuangan UMKM. Implikasi pada penelitian ini mendorong pengembangan strategi dan kebijakan yang dapat meningkatkan literasi keuangan, mengoptimalkan inklusi keuangan, dan memperbaiki perilaku pengelolaan keuangan UMKM, yang pada akhirnya akan meningkatkan kesejahteraan dan pertumbuhan berkelanjutan sektor UMKM.

SOSIALISASI MANAJEMEN POLA TANAM DAN PENGELOLAAN KEUANGAN BAGI PETANI MILENIAL BINAAN HKTI KOTA TEBING TINGGI Zalukhu, Rika Surianto; Sinurat, Yenni Mariani; Collyn, Daniel; Purba, Anita; Arseto, Dedy Dwi; Sagala, Yomeini Margaret
Jurnal Pengabdian Kepada Masyarakat Patikala Vol. 2 No. 1 (2022): Jurnal PkM PATIKALA
Publisher : Education and Talent Development Center of Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51574/patikala.v2i1.566

Salah satu permasalahan para petani milenial binaan HKTI Kota Tebing Tinggi adalah kurangnya pemahaman tentang strategi manajemen pola tanam dan pengelolaan keuangan usaha tani. Oleh karena itu, kegiatan pengabdian ini dilakukan dengan harapan dapat memberikan kontribusi positif dalam meningkatkan pengetahuan dan wawasan para petani milenial yang mengikuti kegiatan. Kegiatan ini diikuti oleh 32 orang petani milenial binaan HKTI Kota Tebing Tinggi. Kegiatan pengabdian dilaksanakan dalam tiga tahap, yaitu tahap persiapan, tahap pelaksanaan dan tahap evaluasi. Pada tahap evaluasi, pengabdi membagikan kuesioner kepada peserta sebelum dan sesudah pelaksanaan sosialisasi. Hasil evaluasi menunjukkan bahwa kegiatan pengabdian memberikan dampak signifikan dalam meningkatkan pengetahuan dan wawasan peserta pengabdian tentang manajemen pola tanam dan pengelolaan keuangan usaha tani. Peserta memahami arti penting manajemen pola tanam dalam menjamin stabilitas harga dan pasokan yang memberikan keuntungan bagi para petani. Peserta juga memahami arti penting pengelolaan keuangan usaha tani. Bahkan beberapa peserta mampu menyusun laporan keuangan untuk usaha taninya.

Analisis Tingkat Kesehatan Bank Umum BUMN Yang Masuk Dalam Top 1000 World Banks 2024 Versi The Banker Menggunakan Metode RGEC Zalukhu, Rika Surianto; Hutauruk, Rapat Piter Sony; Collyn, Daniel; Hutabarat, Metyria Imelda
Accounting Progress Vol. 4 No. 1 (2025): Accounting Progress Edisi Juni 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v4i1.217

This study aims to analyze the financial health of state-owned commercial banks (Bank Umum BUMN) included in the Top 1000 World Banks 2024 list by The Banker using the RGEC approach (Risk Profile, Good Corporate Governance, Earnings, and Capital). This is a descriptive quantitative study utilizing secondary data in the form of annual reports from 2021 to 2023, obtained from the official websites of the Indonesia Stock Exchange (IDX) and each respective bank. The risk profile aspect was assessed using the Non-Performing Loan (NPL) ratio, good corporate governance was evaluated based on the self-assessment results of each bank, earnings were analyzed through Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM), while capital was measured using the Capital Adequacy Ratio (CAR). The results showed that during the 2021–2023 period, the four state-owned commercial banks achieved Composite Rating 1 (PK-1), indicating a "very healthy" status. The risk profile and GCG were in the “healthy” category, while the earnings and capital aspects were in the “very healthy” category with positive growth trends, particularly in ROA, ROE, and NIM. These findings indicate that, overall, state-owned commercial banks maintain strong financial performance and health, although there is still room for improvement in risk and governance aspects to align with other financial indicators. This study contributes to stakeholders’ understanding of the stability and long-term sustainability prospects of state-owned banks.

Analisis Pengaruh Kepadatan Penduduk dan Pendidikan Terhadap Inklusi Keuangan di Indonesia Collyn, Daniel; Zalukhu, Rika Surianto; Hutauruk, Rapat Piter Sony; Sinaga, Murbanto
Accounting Progress Vol. 3 No. 1 (2024): Accounting Progress Edisi Juni 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v3i1.163

The financial inclusion index of the Indonesian population has increased; however, there is a gap in financial inclusion and education between urban and rural areas. Therefore, this study aims to determine the influence of population density and education on financial inclusion in Indonesia, both partially and simultaneously. This research was conducted across 34 provinces in Indonesia. The study uses secondary data. The data used includes the financial inclusion index for 2022, obtained online from the Financial Services Authority (OJK) website at https://www.ojk.go.id/id/Default.aspx, as well as literacy rates and population density data for 2022, accessed online from the Central Statistics Agency (BPS) website at https://www.bps.go.id/id. The research data were then analyzed using multiple linear regression analysis methods. The analysis results show that population density has a positive and significant effect on financial inclusion in Indonesia. Meanwhile, education has a positive but not significant effect on financial inclusion in Indonesia. Population density and education simultaneously have a significant effect on financial inclusion in Indonesia. The results of this study imply that policies to enhance financial inclusion need to focus on the development of financial infrastructure in densely populated areas and adopt a comprehensive approach that involves more than just improving education.

Pengaruh Literasi Keuangan, Inklusi Keuangan dan Gender Terhadap Perilaku Pengelolaan Keuangan Pelaku UMKM di Kota Medan Hutauruk, Rapat Piter Sony; Zalukhu, Rika Surianto; Collyn, Daniel; Jayanti, Suci Etri; Sinaga, Murbanto; Damanik, Sri Winda Hardiyanti
Accounting Progress Vol. 3 No. 1 (2024): Accounting Progress Edisi Juni 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v3i1.164

The financial literacy and financial inclusion index of the Indonesian population has increased; however, most MSME actors still practice substandard financial management. In fact, financial management is vital for the development of MSMEs. Therefore, this study aims to analyze the influence of financial literacy, financial inclusion, and gender on the financial management behavior of MSME actors, both partially and simultaneously. This study examines three independent variables: financial literacy, financial inclusion, and gender, and one dependent variable: financial management behavior. The research was conducted on MSME actors in Medan City. The research sample consisted of 100 people, selected using a simple random sampling technique. This study used primary data. The research data were obtained through questionnaires distributed to respondents. The data obtained were then analyzed using multiple linear regression analysis methods. The analysis results show that financial literacy, financial inclusion, and gender have a positive and significant effect on the financial management behavior of MSME actors, both partially and simultaneously. The implication of this study is the need to develop inclusive and comprehensive financial education programs, increase access to financial services, and reduce the gender gap in financial access and literacy to improve the quality of financial management of MSMEs.

Pengaruh Tingkat Pendidikan, Faktor Usia dan Gender Terhadap Literasi Keuangan Pelaku UMKM di Kota Medan Zalukhu, Rika Surianto; Hutauruk, Rapat Piter Sony; Collyn, Daniel; Jayanti S., Suci Etri; Sinaga, Murbanto; Damanik, Sri Winda Hardiyanti
Accounting Progress Vol. 3 No. 1 (2024): Accounting Progress Edisi Juni 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v3i1.166

The financial literacy index of the Indonesian population has increased, but on the other hand, the number of cases of illegal online loan scams and online trading fraud due to low financial literacy remains very high. Therefore, efforts are needed to improve the financial literacy of MSMEs based on a deep understanding of the factors influencing financial literacy itself. This study aims to determine the effect of education level, age, and gender on the financial literacy of MSME actors, both partially and simultaneously. The research was conducted on MSME actors in Medan City. The research sample consisted of 100 people. The sampling technique used was simple random sampling. This study used primary data sources. Data were obtained through questionnaires distributed to respondents. The research data were then analyzed using multiple linear regression analysis methods. The analysis results show that the education level has a positive and significant effect on the financial literacy of MSME actors in Medan City. Age has a negative and significant effect on the financial literacy of MSME actors in Medan City. Gender also has a negative and significant effect on the financial literacy of MSME actors in Medan City. Furthermore, education level, age, and gender simultaneously have a significant effect on the financial literacy of MSME actors in Medan City. The direct implication of this study is the need for the development of holistic and inclusive financial education and training programs for MSME actors.

Pengaruh E-WOM, Harga Tiket dan Preferensi Wisatawan Terhadap Minat Berkunjung Wisatawan Pada Pantai Mangrove Collyn, Daniel; Zalukhu, Rika Surianto
Accounting Progress Vol. 3 No. 2 (2024): Accounting Progress Edisi Desember 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v3i2.206

This study aims to determine the influence of E-WOM, ticket prices, and tourist preferences on tourists' intention to visit Mangrove Beach, both partially and simultaneously. The research employs a quantitative method, examining variables such as visiting intention as the dependent variable and E-WOM, ticket prices, and tourist preferences as independent variables. The study targeted individuals aged 17 and above who have heard about Mangrove Beach but have never visited the site. A total of 96 respondents were sampled using a simple random sampling technique. Primary data were collected through questionnaires, with respondents' perceptions measured using a Likert scale. The data were analyzed using multiple linear regression analysis. The results indicate that E-WOM and ticket prices partially have a positive and significant effect on tourists' intention to visit Mangrove Beach. Tourist preferences, however, partially have a positive but insignificant effect on visiting intention. Furthermore, E-WOM, ticket prices, and tourist preferences simultaneously have a significant influence on visiting intention. The direct implication of this study is that Mangrove Beach managers should leverage digital media to enhance E-WOM, such as encouraging positive reviews on online platforms, as E-WOM significantly influences visiting intention.

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