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All Journal JMM17: Jurnal Ilmu Ekonomi dan Manajemen JIET (Jurnal Ilmu Ekonomi Terapan) Jurnal Tirtayasa Ekonomika (Tirtayasa Economica Journal) Jurnal Akuntansi SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan RJABM (Research Journal of Accounting and Business Management) BALANCE: Economic, Business, Management and Accounting Journal BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Oeconomicus Journal of Economics Jurnal Agrinika : Jurnal Agroteknologi dan Agribisnis Jurnal Akuntansi : Transparansi dan Akuntabilitas Journal of Agricultural Socio-Economics (JASE) Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Journal Of Business, Finance, and Economics (JBFE) COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat EKONOMIKA45 Formosa Journal of Sustainable Research (FJSR) Journal of Innovation Research and Knowledge Jurnal Manajemen Bisnis dan Organisasi Dharmawangsa: International Journal of the Social Sciences, Education and Humanitis Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Innovative: Journal Of Social Science Research Jurnal Manajemen dan Ekonomi Kreatif Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan GLORY Jurnal Ekonomi dan Ilmu Sosial Jurnal Ekonomi Manajemen Akuntansi Dharma Ekonomi Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Manajemen Pariwisata dan Perhotelan Riset Ilmu Manajemen Bisnis dan Akuntansi Journal of Islamic Economics and Finance Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Moneter : Jurnal Ekonomi dan Keuangan Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Jurnal Ekonomi dan Pembangunan Indonesia Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Pajak dan Manajemen Keuangan JIMEK KREATIF: Jurnal Pengabdian Masyarakat Nusantara
Novi Theresia Kiak
Universitas Nusa Cendana
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Analisis Preferensi Mahasiswa Terhadap Penggunaan BNI Mobile Banking : Studi Kasus Mahasiswa Ekonomi Pembangunan Universitas Katolik Widya Mandira Kharina Lidia Priskalina Oil; Novi Theresia Kiak; Fransina W. Ballo
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 2 (2024): April : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v2i2.489

Abstract

This research aims to determine the preferences of Development economics students at Widya Mandira Catholic University towards using BNI mobile banking and to determine the preference factors for using mobile banking for Development economics students at Widya Mandira Catholic University. The data used in this research are primary and secondary data, which were then analyzed using qualitative descriptive analysis methods. The data collection techniques used in this research used interview, observation and documentation techniques. The results of this research show that the preference or interest of Development Economics students at Widya Mandira Catholic University, Kupang City in using Mobile banking is still small or minimal, especially in UKT payments. Most students are more interested in making payments via BNI Bank directly rather than using Mobile banking. There are several factors that cause preference in using Mobile banking for Development Economics students at Widya Mandira Catholic University, namely internal factors such as lifestyle needs, culture/habits and beliefs. Meanwhile, external factors such as service availability, environment/situation, and security.
Analisis Pemanfaatan Kredit Oleh Pelaku Usaha UMKM Di Kota Atambua Kabupaten Belu : Studi Kasus Pelaku Usaha Mikro Yang Mengambil Kredit Pada Bank Bni 46 Selviana Ena; Fransina W. Ballo; Novi Theresia Kiak
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 2 (2024): April : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v2i2.500

Abstract

This research aims to determine the use of credit by micro business actors in Atambua City who use loan funds from BNI46 Bank, as well as to find out the reasons why business actors take credit from BNI46 Bank. The data used in this research is primary and secondary data, which is then analyzed using qualitative descriptive methods. The data collection techniques used in this research are: interviews, observations and documents. The object of this research is the use of credit by micro and small businesses in Atambua City, located around the center of Atambua city. These utilization interests are divided into two interests, namely for production and consumption purposes. First, for the purposes of fulfilling and expanding business capital for trading, a means to make business activities smoother and business performance better than before, expanding business and work opportunities. Second, for consumption needs, which includes personal consumption needs such as paying children's school fees, house rental costs, as well as house maintenance costs and daily living costs.
Manfaat Kredit Usaha Rakyat Bagi Pelaku Usaha Kecil Dan Menengah Di Kecamatan Langke Rembong Kabupaten Manggarai : Studi Pada BRI Cabang Ruteng Viktoria Wulandari; Novi Theresia Kiak; Cicilia Apriliana Tungga
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 2 (2024): April : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v2i2.506

Abstract

This research aims to explain the benefits of providing BRI Bank People's Business Credit loans for Small and Medium Enterprises. This research was conducted at Bank Rakyat Indonesia because it is one of the banks that distributes the KUR assistance program. This research uses primary data and secondary data. The research results show the benefits of providing BRI bank KUR assistance to SMEs, namely that small and medium business actors are helped by getting capital to open a business, develop businesses that are already running and can provide employment assistance for other people. Obstacles that small and medium business actors often face when applying for small and medium business credit assistance include incomplete requirements, bad personalities and inappropriate credit guarantees. It is hoped that the provision of people's business credit loans will be able to provide benefits to small and medium business owners, both for the businesses they run and to fulfill other economic needs.
Tantangan Transformasi Produk Digital Dalam Perbankan Syariah: Studi Kasus Bank Syariah Indonesia Kc Kupang Mardiana Muslimin; Fransina W. Ballo; Novi Theresia Kiak
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 2 No. 3 (2024): Mei : MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v2i3.517

Abstract

Sharia banking digital product tranformation is a necessity because technological developments are increasingly rapid. This research aims to detemine the challenges of sharia bank digital product transformation. This research uses a qualitative approach, with data collection methods conducting interviews and documentation. The result of this research show that the challenges of digital product tranformation for sharia banks and sharia banks.however, BSI continues to update its system so that it can compete with coventional banks.
Efektivitas Pengelolaan Dana Desa Dalam Meningkatkan Kesejahteraan Masyarakat Desa Kuatae Kecamatan Kota Soe Kabupaten Timor Tengah Selatan Zethsander Djawa Liunokas; Petrus E. de Rozari; Novi Theresia Kiak
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 2 No. 3 (2024): Mei : MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v2i3.522

Abstract

This study aims to determine the effectiveness of village fund management in improving the welfare of the people of Kuatae Village, Soe City District, South Central Timor Regency. This research method is a case study using qualitative research methods. The focus of this study is to observe and find out the effectiveness of village fund management in improving the welfare of the kuatae village community, using data collection techniques in the form of observation, interviews and documentation. The results of this study show that the effectiveness of village fund management in improving the welfare of the people of Kuatae Village in the regulations implemented by the Kuatae village government is in accordance with applicable laws and regulations, Government performance is still not very good and knowledge of village government performance is also still low, There are still delays in issuing policies regarding village funds and changes to policies and still low knowledge and behavior of the community in managing activities in the village.
Pengaruh Dana Pihak Ketiga Dan Beban Operasional Pendapatan Operasioanal (BOPO) Terhadap Profitabilitas Pada Bank Umum Milik Negara Di Indonesia Lazarus D. A. Luase; Petrus E. De Rozari; Novi Theresia Kiak
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 2 No. 4 (2024): Juli : MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v2i4.697

Abstract

This study aims to find out and explain the influence of Third Party Funds and Operating Income Operating Expenses (BOPO) on profitability in state-owned commercial banks in Indonesia. The type of research used by the researcher is quantitative research using primary data. The data analysis techniques used include, panel data regression analysis, classical assumption test and hypothesis test using the Eviews 9 analysis tool. The results of the T test showed that the third-party fund variable had an effect but not significantly on profitability and the Operating Income Operating Expense (Bopo) variable had a significant effect on profitability and the F test result showed that the third-party fund variable and Operating Income Operating Expense (Bopo) simultaneously had a significant effect on profitability.
Analisis Pengaruh Nilai Tukar Rupiah, Jumlah Uang Beredar Dan Tingkat Inflasi Terhadap Pertumbuhan Ekonomi Di Indonesia Mathias Efi; Maria Indriyani Hewe Tiwu; Novi Theresia Kiak
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 2 No. 4 (2024): Juli : MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v2i4.708

Abstract

This study aims to find out and explain the analytical influence of the influence of the rupiah exchange rate, the amount of money in circulation and the inflation rate on economic growth in Indonesia. The type of research used by the researcher is quantitative research using secondary data. The data analysis techniques used include, multiple linear regression analysis, classical assumption test and hypothesis test using Eviews analysis tools. The results of the T test show that the exchange rate variable has a significant positive impact on Indonesia's economic growth, the money supply variable has a very large positive impact on Indonesia's economic growth, and the Inflation variable has a significant negative impact on Indonesia's economic growth. The results of the F test show that the exchange rate variable, the money supply variable, and the Inflation variable simultaneously have a significant effect on Indonesia's economic growth.
Analisis Pengaruh Nilai Tukar Rupiah Terhadap Pembandingan Penggunaan Kina Di Kampung Mosso Muara Tami Papua Alius Almung; Fransina W. Ballo; Novi Theresia Kiak
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 2 No. 4 (2024): Juli : MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v2i4.709

Abstract

This research aims to determine the influence of the rupiah exchange rate on the use of Kina in Mosso Village, Muara Tami, Papua. Quantitative methods were used in this research to analyze secondary data collected from the websites of Bank Indonesia and the Indonesian Central Bureau of Statistics. The number of quarters, which collects all information during the study period, was used for sampling. This research uses two independent variables: inflation, Bank Indonesia interest rates (SBI) and money supply (JUB). The dependent variable is the exchange rate. Multiple linear regression analysis, T test, and F test were used to analyze the data. The results of the T hypothesis test show that inflation has a significant influence on the exchange rate partially during the period studied, with a significance value of 0.001. The interest rate does not have a significant influence on the exchange rate partially during the period studied, with a significance value of 0.462. The money supply also does not have a significant influence on the exchange rate partially, with a significance value of 0.17. The results of the F hypothesis test with a significance value of 0.000 show that inflation, interest rates and money supply simultaneously have a significant influence on the exchange rate in the 2018–2022 period.
Pengaruh Perubahan Kurs terhadap Return Saham Sektor Perbankan pada Masa Covid 19 Sevanya Eunike Lado; Maria Indriyani Hewe Tiwu; Novi Theresia Kiak
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 2 No. 5 (2024): September : MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v2i5.832

Abstract

The aim of this research is to determine the influence of Covid 19 which has an impact on the depreciation of the rupiah against the US dollar which then has an impact on stock prices. The case study in this research is the share price of the banking sector in the Indonesia Stock Exchange from March 1 to August 31, 2020. The population taken in this research is the banking sector listed on the Indonesian Stock Exchange. The sampling method used purposive sampling so that the number of samples obtained was 4 companies which are state-owned banking companies. Data collection is carried out by documenting data that has been published by the Indonesian Stock Exchange. Investors' reactions to information on the depreciation of the rupiah against the US dollar can be seen from the abnormal stock returns 7 days before and 7 days after information on the depreciation of the rupiah against the US dollar. The method used is the Event Study method with One Sample T-Test and Paired Test data analysis techniques.The conclusion from the results of research and data analysis from 4 state-owned banking companies listed on the Indonesia Stock Exchange during the window period is that it was found that there was no difference in Average Abnormal Return before the depreciation of the rupiah against the United States dollar (event) and after the depreciation of the rupiah against the United States dollar (event). And the paired t-test analysis shows that stock prices before the event do not affect stock prices after the event. This result shows that this market is a semi-strong market according to the Efficiency Market Hypothesis theory.
Analisis Penggunaan Mesin Electronic Data Capture (EDC) Pada Wajib Pajak Restoran Sebagai Upaya Mengoptimalkan Penerimaan Pajak Daerah di Kota Kupang Yusuf Frans Kartoma; Novi Theresia Kiak; Maria Indriyani Hewe Tiwu
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 3 No. 3 (2024): Juli : Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v3i3.2753

Abstract

This research aims to explain the implementation of the policy on the use of Electronic Data Capture (EDC) machines among restaurant taxpayers in Kupang City and to explain the factors that hinder and obstruct the implementation process as well as the use of EDC machines as a payment transaction system for restaurant taxpayers in Kupang City. This study employs a descriptive qualitative approach by conducting interviews with informants from the Badan Pendapatan Daerah Kota Kupang, Bank NTT KCU Kupang, and restaurant taxpayers who have installed EDC machines. The research findings indicate that the policy on the use of Electronic Data Capture (EDC) faces several issues, both in the implementation process and in the use of EDC machines by restaurant taxpayers who have installed them. The lack of awareness, support, and readiness from restaurant taxpayers in terms of technical, administrative, and human resources aspects, as well as ineffective communication and coordination between Bapenda and Bank NTT towards taxpayers, are obstacles in the implementation process of EDC machines. From the perspective of EDC machine usage, technical problems with the machines, such as frequent errors, consumers' understanding level, the billing and tax payment system that is not yet fully digitized through the EDC machine system, the limitations of EDC machine features and services that do not yet meet the needs of restaurant taxpayers, and the human resource aspect of restaurant taxpayers who are not yet able to operate the EDC machines, constitute several non-technical factors that also hinder the use of EDC machines as a payment transaction system. Keywords: , , E
Co-Authors Agnes Derang Duli Agus Arnold Nalle Agustinus Beda Werang Aldarine Molidya Alina Nujum Alius Almung Anastasia Bernaria Klau Angi, Yohana F Angi, Yohana Febiani Anthon Simon Y. Kerihi Antonius Julio Lewa Djo Arthana, I Komang Asriati Djonu Audra Dyfa Tharriesitha Putry Sigit Baharudin, Govinda Abdul Gangga Ballo, Fransina W. Bambang Wiwoho, Bambang Banamtuan, Alexander Kiik Benu, Elthon Eka Putra Benyamin, Karmi Yulet Betsyebalia, Princessa Cicilia A. Tungga Cicilia Apriliana Tungga de Rozari, Petrus E. Demu, Yohanes Dethan, Minarni A Devin Irvandy Djadi, Ekalia I A Dong, Kensi Agnesty Elisabeth Maria Anjelia Nurak Fajrin, Fauziah Amalia Fanggidae, Apriana H.J. Fransina W. Ballo Fransina Wihelmina Ballo Fransina Wilhelmina Ballo Fudikoa, Bensor Paulus Ga, Linda Lomi Gaudensius Suhendro Nardon Hanas, Mardi Marsalina Hawe Tiwu, Maria Indriyani Ignasia Ayunanda Duhu Imelda Aurensia Rosalia Januaria Kartika Ati Januaria Orsela Bria Jeanet Putri Shintya Nubatonis Jelamu, Matheus Stefanus Jerubu, Hilde Septine Julius Innosensius Beon Karsono, Danny Julian Kharina Lidia Priskalina Oil Kiuk, Maria Felinsia Laga Klau, Reinaldus Yohanes D Koroh, Angela Jessicca Sheyla Lay, Devvanio Lazarus D. A. Luase Lebrina Ivantry Boikh Leony Angelica Weru Leony Nawa Hoke Lestari, Farida Ayu Lewa Djo, Antonius Julio Lindu, Obrianus Yusuf Lodovikus Marionis Nifu Maak, Clarce Sarliana Mardiana Muslimin Maria Adriana Irama Koli Maria Antonia Radji Silli Maria Fransiska Gheli Maria I. H Tiwu Maria I. Hewe Tiwu Maria Indriyani H. Tiwu Maria Indriyani Hewe Tiwu Maria P. L. Muga Maria Prudensia Leda Muga Maria Virayati Kofi Markus Uskunia Marselina Ratu Marselina Ratu Marthen R. Pellokilla Marthen Robinson Pellokila Matheus Napoleon Mitemen Witak Mathias Efi Meilani, Margareta Yosefa Minarni A. Dethan Mitemen Witak, Matheus Napoleon Moetia Riski Sofyani Monika Wilistiani So’o Muga, Maria Prudensiana Leda Muhammad Liwaulhamdi Naninuna, Putra H. Ndun, Jublita Nendissa, Doppy Roy Nuro, Septina Obaria, Yoakim Helio Dorus Olivia L.E Tomasowa Onta, Damasius Patrikcs Lazarus Dedo Ngara Pau, Sarlin P. Nawa Pello, Marco Adrian Pera, Charmelia M R De Vollys Permana, Viviany Jenkarti Petrus E. De Rosari Priastuti Adangla Rachmiyati, Nekky Ramayana Saputri Toebajoe Ratu, Marselina Rei, Elkostalia Renta Yustie Rico Tenis Rikhard T. Ch. Bolang Rimas, Yofita Elsiana Riski Sofyani, Moetia Sallau, Sally Selviana Ena Selvianus Imanuel Kause Semarch Dewi Ayu Putri Bida Septina Nuro Sevanya Eunike Lado simamora, virgo Siti Helmyati Taksian, Risma Rosina Talu, Dominggus Ari Nono Tameno, Nikson Theresia Lorenza Jehalim Deo Tiara Fitriana Azhari Tiwu, Maria I H Tiwu, Maria Indriyani Hewe Tshilowa, Phathutshedzo Fancy Tungga, Cicilia A Tungga, Cicilia A. Tungga, Cicilia Apriliani Uly, Jaya Ayu Ningsih Kale Utami, Betty Silvia Ayu Venci Ilona Lake Veronika Dhina Dewelis Viktoria Wulandari Welhelmina Ballo , Fransina Yerisonsianus Peron Yohana F. Angi Yustie, Renta Yusuf Frans Kartoma Zelyn Jayanti Margaretha Ratuarat Zethsander Djawa Liunokas