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All Journal Improvement: Jurnal Manajemen dan Bisnis Jurnal Manajemen Bisnis dan Organisasi Innovative: Journal Of Social Science Research
Tungga, Cicilia A.
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Pengaruh Litersi Keuangan Dan Perilaku Keuangan Terhadap Pendapatan Koperasi Kredit Swastisari di Kota Kupang Keban, Vinsensia V.L; Kellen, Pius Bumi; Tungga, Cicilia A.
Improvement: Jurnal Manajemen dan Bisnis Vol 3 No 2 (2023): Vol 3 No 2 September 2023
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/imp.v3i2.21340

Abstract

This examine ambitions to determine the impact of economic tradition and monetary conduct on the income of Kopdit Swastisari cooperative in Kupang town. This have a look at makes use of quantitative strategies, in particular information evaluation, to process respondent survey information. To decide the pattern with the aid of easy random sampling and the pattern used on this study, 50 contributors of Swastisari cooperative in Kupang town had been the primary records. statistics have been collected the use of questionnaires disbursed to participants of the cooperative. The facts analysis techniques used on this study are more than one linear regression analysis, T-take a look at and F-test. The results of this look at display that financial culture and financial conduct have a substantial have an impact on on the earnings of Kopdit Swastisari cooperative in Kupang city. The hints on this take a look at are intended to assist individuals of the Kopdit Swastisari Cooperative in Kupang metropolis to higher apprehend price range and behavior further studies to allow extra signs and variables. Penelitian ini bertujuan buat mengetahui efek budaya keuangan serta perilaku keuangan terhadap pendapatan koperasi Kopdit Swastisari di kota Kupang. Penelitian ini menggunakan metode kuantitatif, termasuk analisis data, buat mengolah data survei responden. Penentuan sampel dilakukan dengan menggunakan metode simple secara acak sampling dan sampel yg digunakan dalam penelitian ini berjumlah 50 orang anggota Koperasi Swastisari Kota Kupang yg sebagai data utama uji dan uji F. yang akan terjadi penelitian menunjukkan bahwa Pengetahuan keuangan dan perilaku keuangan berpengaruh signifikan terhadap pendapatan. Rekomendasi penelitian ini dimaksudkan untuk membantu anggota Koperasi Kopdit Swastisari Kota Kupang lebih memahami keuangan dan melakukan penelitian lebih lanjut untuk mengaktifkan indikator dan variabel tambahan. Keywords: Literasi Keuangan, Perilaku Keuangan, Pendapatan
Analisis Kualitas Pendanaan Program Pensiun Manfaat Pasti pada Dana Pensiun Bank Pembangunan Daerah NTT Benyamin, Karmi Yulet; Kiak, Novi Theresia; Tungga, Cicilia A.
Innovative: Journal Of Social Science Research Vol. 5 No. 1 (2025): 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.v5i1.16944

Abstract

This research aims to determine the quality of funding for the Defined Benefit Pension Program produced by the NTT Regional Development Bank Pension Fund using a quantitative descriptive approach method. This type of research is field research. The informants used in this research consisted of the Head of Finance and Accounting and the Head of Investment and Funding. Data was collected using field research techniques, interviews and documentation. The data sources in this research are primary and secondary data sources. Based on the research results, it shows that the NTT Regional Development Bank Pension Fund is experiencing a funding deficit. The results of the research show that the analysis shows a decrease in the quality of funding for the NTT Regional Development Bank Pension Fund from Level I (Funded) in June and December 2023 to Level II (Partially Funded) in June 2024 with a total funding ratio of 97.89% and a solvency ratio of 102 .24% which is due to the increase in the amount of actuarial liabilities which is greater than the assets for Funding. The declining funding ratio reflects a deficit in assets to cover actuarial liabilities, while the decline in solvency highlights the challenges in maintaining the ability to face long-term risks so that more attention is needed in increasing transparency and ensuring accountability in every decision taken.
Pengaruh Litersi Keuangan Dan Perilaku Keuangan Terhadap Pendapatan Koperasi Kredit Swastisari di Kota Kupang Keban, Vinsensia V.L; Kellen, Pius Bumi; Tungga, Cicilia A.
Improvement: Jurnal Manajemen dan Bisnis Vol 3 No 2 (2023): Vol 3 No 2 September 2023
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/imp.v3i2.21340

Abstract

This examine ambitions to determine the impact of economic tradition and monetary conduct on the income of Kopdit Swastisari cooperative in Kupang town. This have a look at makes use of quantitative strategies, in particular information evaluation, to process respondent survey information. To decide the pattern with the aid of easy random sampling and the pattern used on this study, 50 contributors of Swastisari cooperative in Kupang town had been the primary records. statistics have been collected the use of questionnaires disbursed to participants of the cooperative. The facts analysis techniques used on this study are more than one linear regression analysis, T-take a look at and F-test. The results of this look at display that financial culture and financial conduct have a substantial have an impact on on the earnings of Kopdit Swastisari cooperative in Kupang city. The hints on this take a look at are intended to assist individuals of the Kopdit Swastisari Cooperative in Kupang metropolis to higher apprehend price range and behavior further studies to allow extra signs and variables. Penelitian ini bertujuan buat mengetahui efek budaya keuangan serta perilaku keuangan terhadap pendapatan koperasi Kopdit Swastisari di kota Kupang. Penelitian ini menggunakan metode kuantitatif, termasuk analisis data, buat mengolah data survei responden. Penentuan sampel dilakukan dengan menggunakan metode simple secara acak sampling dan sampel yg digunakan dalam penelitian ini berjumlah 50 orang anggota Koperasi Swastisari Kota Kupang yg sebagai data utama uji dan uji F. yang akan terjadi penelitian menunjukkan bahwa Pengetahuan keuangan dan perilaku keuangan berpengaruh signifikan terhadap pendapatan. Rekomendasi penelitian ini dimaksudkan untuk membantu anggota Koperasi Kopdit Swastisari Kota Kupang lebih memahami keuangan dan melakukan penelitian lebih lanjut untuk mengaktifkan indikator dan variabel tambahan. Keywords: Literasi Keuangan, Perilaku Keuangan, Pendapatan
THE IMPLEMENTATION OF GOOD GOVERNANCE IN REGIONAL FINANCIAL MANAGEMENT IN SOUTH CENTRAL TIMOR REGENCY Ludji, Priska Trivena Regina; Tungga, Cicilia A.; Molidya, Aldarine
Jurnal Manajemen Bisnis Dan Organisasi Vol 4 No 1 (2025): Jurnal Manajemen Bisnis Dan Organisasi (JMBO)
Publisher : Yayasan Pendidikan Cahaya Budaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58290/jmbo.v4i1.428

Abstract

This study aims to analyze the implementation of good governance principles—namely transparency, accountability, and public participation—in regional financial management in South Central Timor Regency. The method used is descriptive qualitative, with data collection techniques including interviews, documentation, and analysis using NVivo software. The findings indicate that the local government has made efforts to implement transparency through digital information systems and public information dissemination, although challenges remain, such as the limited use of social media. Accountability is pursued through internal audits and the publication of financial reports, but there are still issues concerning the effectiveness of oversight. Public participation in budget management remains largely formal and has yet to become fully participatory. The study concludes that the application of good governance principles in South Central Timor Regency is underway but still requires strengthening, particularly in implementation and community involvement, to achieve better and more sustainable governance.
Co-Authors Benyamin, Karmi Yulet Keban, Vinsensia V.L Kellen, Pius Bumi Ludji, Priska Trivena Regina Molidya, Aldarine Novi Theresia Kiak