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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) Haumeni Journal of Education 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 E-Jurnal Ekonomi Pembangunan Jurnal Akuntan Publik
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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Pengaruh Implementasi Green Accounting, Material Flow Cost Accounting dan Environmental Performance terhadap Sustainable Development Kiuk, Maria Felinsia Laga; Yohana Febiani Angi; Novi Theresia Kiak
EKONOMIKA45 :  Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan Vol. 12 No. 2 (2025): Juni: Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/ekonomika45.v12i2.4140

Abstract

This study was conducted with the aim of examining the effect of green accounting implementation, material flow cost accounting and environmental performance on sustainable development. The population of this study were 26 palm oil companies listed on the IDX for the period 2020-2023 and the total sample collected from the purposive sampling method was 15 companies with 60 observation data. The data used is secondary data with the analysis carried out including descriptive statistics, panel data regression and hypothesis testing in the form of t test, F test, and coefficient of determination analyzed using the eviews version 12 application. The results of the research conducted explain that green accounting and environmental performance partially have no effect on sustainable development, while material flow cost accounting partially affects sustainable development. Meanwhile, if the F test is carried out, then green accounting, material flow cost accounting and environmental performance simultaneously affect sustainable development.
Pengaruh Likuiditas terhadap Nilai Perusahaan dengan Profitabilitas sebagai Variabel Intervening pada Industri Ritel yang terdaftar di Bursa Efek Indonesia tahun 2019-2023 Leony Nawa Hoke; I Komang Arthana; Novi Theresia Kiak
EKONOMIKA45 :  Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan Vol. 12 No. 2 (2025): Juni: Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/ekonomika45.v12i2.4271

Abstract

This study aims to examine the effect of liquidity on firm value with profitability as an intervening variable in the retail industry listed on the Indonesia Stock Exchange (IDX) in 2019-2023. The sample in this study consisted of 15 retail companies during the period 2019-2023, with a purposive sampling technique. The data used are secondary data obtained from the Indonesia Stock Exchange (IDX) and using the Structural Equation Modeling (SEM) analysis tool with the Partial Least Square (PLS) approach using SmartPLS with the help of SmartPLS 3.0 software. The results of this study indicate that 1) liquidity has a positive and significant effect on firm value. 2) liquidity has a positive and significant effect on profitability. 3) profitability has a positive and significant effect on firm value. 4) profitability mediates the effect of liquidity on firm value.
Dampak Asuransi Kesehatan dan Kredit Mikro terhadap Masalah Kesehatan dan Konsumsi Rumah Tangga : (Studi Kasus di Kota Kupang Provinsi Nusa Tenggara Timur) Muhammad Liwaulhamdi; Maria I. Hewe Tiwu; Fransina W. Ballo; Novi Theresia Kiak
EKONOMIKA45 :  Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan Vol. 12 No. 2 (2025): Juni: Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/ekonomika45.v12i2.4299

Abstract

This study aims to analyze the role of health insurance and micro-credit in overcoming the impact of health shocks on household consumption in Kupang City. The research method used is a case study with a qualitative descriptive approach. Primary data were obtained through in-depth interviews with BPJS Kesehatan, Obor Mas Savings and Loans Cooperative, and beneficiary communities. The results of the study indicate that health insurance significantly reduces the financial burden due to health problems, while micro-credit provides alternative financing solutions that maintain the stability of household consumption. These findings emphasize the importance of synergy between health insurance and microfinance access to improve household economic resilience in facing health risks.
PENGARUH DANA PIHAK KETIGA DAN MODAL BANK TERHADAP PENYALURAN KREDIT PADA BANK UMUM KONVENSIONAL DI INDONESIA TAHUN 2014-2023 Koroh, Angela Jessicca Sheyla; Novi Theresia Kiak; Maria Indriyani Hewe Tiwu
Journal of Innovation Research and Knowledge Vol. 5 No. 4: September 2025
Publisher : Bajang Institute

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

Abstract

Hasil penelitian ini menunjukkan bahwa dana pihak ketiga dan modal bank berpengaruh secara signifikan dan bersama-sama terhadap penyaluran kredit. Selain itu, secara parsial bahwa dana pihak ketiga dan modal bank berpengaruh positif dan signifikan terhadap penyaluran kredit. Penelitian ini dilakukan untuk menggambarkan pengaruh dan hubungan antara dana pihak ketiga dan modal bank sebagai variabel independen serta penyaluran kredit sebagai variabel dependen serta juga ingin melihat perbandingan dan perubahan maupun perkembangan dari pengaruh variabel independen terhadap variabel dependen. Disamping itu peneliti juga tertarik untuk menganalisis hubungan dana pihak ketiga, modal bank lain dan penyaluran kredit secara parsial maupun secara simultan.
PENGARUH OPTIMALISASI DANA DESA DAN OPTIMALISASI BELANJA DESA TERHADAP PEMBANGUNAN INFRASTRUKTUR DESA KECAMATAN TAEBENU KABUPATEN KUPANG Benu, Elthon Eka Putra; Angi, Yohana F; Kiak, Novi Theresia
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 3 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i3.3856

Abstract

Abstract. This study aims to determine the optimization of village funds and village spending on village infrastructure development. The type of research used is causal associative research with a quantitative research approach and data sources, namely secondary and primary data. The population in this study is all elements that will be used as generalization areas. Data collection techniques use questionnaires, documentation and observation. Data analysis techniques are data validity and reliability tests, multiple linear regression and hypothesis testing. The results of the study are that the optimization of village funds has an effect on village infrastructure development because it has been implemented effectively and efficiently so that infrastructure development runs according to the village revenue and expenditure budget plan. Optimization of village spending has an effect on village infrastructure development because it has been implemented effectively and efficiently so that infrastructure development runs according to the village revenue and expenditure budget plan. Abstrak. Penelitian ini bertujuan untuk mengetahui optimalisasi dana desa dan belanja desa terhadap pembangunan infrastruktur desa. Jenis penelitian yang digunakan yaitu penelitian asosiatif kausal dengan pendekatan penelitian yaitu kuantittaf dan sumber data yaitu data sekunder dan primer. Populasi dalam penelitian ini yaitu seluruh elemen yang akan di jadikan wilayah generalisasi. Teknik pengumpulan data yaitu menggunakan kuesioner, dokumentasi dan observasi. Teknik analisis data yaitu uji validitas dan realibilitas data, regresi linear berganda serta pengujian hipotesis. Hasil penelitian yaitu optimalisasi dana desa berpengaruh terhadap pembangunan infrastruktur desa karena telah diterapkan secara efektif dan efisien sehingga pembangunan infrastruktur berjalan sesuai dengan rencana anggaran pendapatan dan belanja desa. Optimalisasi belanja desa berpengaruh terhadap pembangunan infrastruktur desa karena telah diterapkan secara efektif dan efisien sehingga pembangunan infrastruktur berjalan sesuai dengan rencana anggaran pendapatan dan belanja desa.
Analisis Persepsi Penggunaan Qris (Quick Response Indonesia Standard) Sebagai Alat Transaksi UMKM di Kota Bajawaj Lewa Djo, Antonius Julio; Tameno, Nikson; Theresia Kiak, Novi
COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat Vol. 3 No. 09 (2024): COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/comserva.v3i09.1155

Abstract

Perkembangan teknologi informasi telah merubah sebagian besar gaya hidup masyarakat Indonesia mulai dari pedesaan sampai ke perkotaan termsuk penggunaan transaksi pembayaran dengan QRIS semakin banyak diminati. Hal ini terlihat dari transaksi yang semakin meningkat pesat hingga saat ini, menurut data Bank Indonesia tahun 2022, Bank Indonesia (BI) mencatat, total volume transaksi QRIS sejak awal tahun hingga September 2022 mencapai 281,7 juta kali. Penelitian ini bertujuan untuk mengetahui persepsi penggunaan QRIS sebagai alat transaksi UMKM di kota Bajawa. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode pengumpulan data wawancara, observasi, dan dokumentasi. Hasil penelitian ini menunjukan bahwa dengan adanya QRIS sangat membantu para pelaku UMKM yang ada di Kota Bajawa. QRIS yang diberikan dari Bank NTT dan Bank BRi sangat membantu para pelaku UMKM terutama dalam pembukuan, hal lainnya yang sangat membantu yaitu mempermudah transkasi, cepat dan aman serta meningkatkan pendapatan bagi pelaku UMKM. Namun terdapat beberapa kendala yang dialami oleh para pelaku sehingga menghambat proses transaksi seperti jaringan internet yang kurang stabil dan adanya biaya potongan dari bank sebesar 0,5% yang diberlakukan kepada para pelaku UMKM di Kota Bajawa.
Pengaruh Kepercayaan dan Kemudahan terhadap Penggunaan Sistem Kredit Online pada Aplikasi Kredivo di Masa Pandemi Covid-19 di Kota Kupang Riski Sofyani, Moetia; W. Ballo, Fransina; Theresia Kiak, Novi
COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat Vol. 3 No. 09 (2024): COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/comserva.v3i09.1158

Abstract

Penelitian ini bertujuan untuk menjelaskan pengaruh kepercayaan, kemudahan dann sistem kredit terhadap pengguna kredivo di Kota Kupang. Penelitian ini merupakan penelitian kuantitatif dengan data primer yaitu melalui penyebaran kuesioner pada pengguna kredivo di Kota Kupang. Teknik analisis data yang digunakan adalah path analysis (analisis jalur) menggunakan softwere SPSS versi 29. Responden dalam penelitian ini sebanyak 50 pengguna kredivo di Kota Kupang. Hasil penelitian ini menunjukan bahwa kepercayaan, kemudahan dan sistem kredit berpegaruh positif signifikan terhadap pengguna kredivo di Kota Kupang, kepercayaan berpengaruh positif signifikan terhadap pengguna kredivo pada masa pandemi covid-19 di Kota Kupang, kemudahan bepengaruh positif signifikan terhadap pengguna kredivo pada masa pandemi covid-19 di Kota Kupang, sistem kredit berpengaruh positif signifikan terhadap pengguna kredivo pada masa pandemi covid-19 di Kota Kupang. Dengan hasil tersebut, diharapkan bahwa kemudahan pengguna.
The Effect of Economic Growth on The Absorption of Labor and Public Wellfare In Kediri City, East Java Rachmiyati, Nekky; Kiak, Novi Theresia; Wiwoho, Bambang
Jurnal Ilmu Ekonomi Terapan Vol. 5 No. 2 (2020)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v5i2.23613

Abstract

The purpose of this study is to determine the effect of economic growth on labor absorption and community welfare in the city of Kediri, East Java in 2019. This research is a descriptive study and will supported by quantitative and qualitative data. Data consists of the number of Small and Medium Enterprises, types of business and work force to analyze the writer uses multiple linear regression method and the Location Quotient method. The R-square shows the influence given by the variable economic growth labor absorption on the welfare variable is 92.8%. The rest is influenced by other variables outside the regression equation. The LQ results are 2,612 with a dense population, so the business of trading and repairing cars and motorbikes is very developed and can serve the market in Kediri City, as well as outside Kediri City, second in Kediri City Information and Communication is the base and superior sector, this is indicated by an LQ of 2.107.
ANALISIS PERTUMBUHAN EKONOMI IKNLUSIF PROVINSI NUSA TENGGARA TIMUR TAHUN 2016-2020 Lestari, Farida Ayu; Ballo, Fransina W; Kiak, Novi Theresia
JURNAL AKUNTANSI : TRANSPARANSI DAN AKUNTABILITAS Vol 11 No 1 (2023): JURNAL AKUNTANSI: TRANSPARANSI DAN AKUNTABILITAS
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jak.v11i1.10252

Abstract

This study aims to determine the value of inclusive economic growth and what This study aims to determine the value of inclusive economic growth and what factors influence inclusive economic growth in East Nusa Tenggara districts/cities in 2016-2020. This study uses primary data with PEGR (Poverty Equivalent Growth Rate) method analysis to determine the value of inclusive growth and uses paht analysis to determine the factors that influence inclusive growth. Theresults of the analysis to show the value of inclusive growth from 21 districts and 1 city that experienced inclusive economic growth resulted in the finding that on average in 2016-2020 inclusive growth has increased every year so that in 2020 it experienced the highest achievement with an average of 0.64 which resulted in 21 districts and 1 city of East Nusa Tenggara having reached an inclusive state. Furthermore, to find out what factors affect inclusive economic growth using path analysis / (path analysis) from the test results to know the factors that directly and indirectly influence inclusive economic growth, the level of unemployment on inclusive economic growth and other factors. such as the poverty rate and the gini ratio influence indirectly through economic growth as an intervening variable. The creation of inclusive growth does not only affect economic growth in the poverty rate, unemployment rate and gini ratio so as to accelerate the realization of inclusive growth in East Nusa Tenggara.
Analisis Pengaruh Variabel Makroekonomi dan Kebijakan Relaksasi Loan to Value, Terhadap Penyaluran Kredit Pemilikan Rumah Pada Bank Umum Di Provinsi Nusa Tenggara Timur Rei, Elkostalia; Ballo, Fransina W.; Kiak, Novi Theresia
Innovative: Journal Of Social Science Research Vol. 4 No. 5 (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.v4i5.15561

Abstract

This research aims to assess the long-term and short-term impacts of inflation, economic growth, BI Rate, and the LTV Relaxation Policy on the distribution of KPR to commercial banks in the NTT province. To achieve this, we employ quantitative analysis methods that examine the relationships between variables. Specifically, we utilize quantitative time series data, which document the periodic development of information. The data used encompasses economic growth, BI Rate, homeownership credit distribution, and inflation from 2016 to 2023. For data analysis, we employ the Vector Error Correction Model (VECM) using the EViews 12 program tool. The findings of this research reveal that, in the long term, inflation and the BI Rate have a negative and significant impact on KPR distribution in the NTT Province. Conversely, economic growth and the LTV variable have a positive, yet insignificant, effect on mortgage distribution in the long term. In the short term, the LTV variable demonstrates a positive and significant impact on KPR distribution, while economic growth and inflation show a positive but insignificant effect. Moreover, in the short term, the BI Rate exhibits a negative and insignificant impact on KPR distribution in the NTT Province. Overall, factors such as inflation, interest rates, economic growth, and LTV policy exhibit varying influences on the distribution of KPR credit, with notable disparities in the short term and long term.
Co-Authors Agnes Derang Duli Agus Arnold Nalle Agus Arnold Nalle Agustinus Beda Werang Aldarine Molidya Alina Nujum Alius Almung Anastasia Bernaria Klau Andel Martinus andri paulus loe 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 Carolin Stephanie Serafin Meko Chrysogonus Koko Kause 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 Jemianus Yusuf A. V. Do Carmo 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 S. Maak, Clarce Sarliana Mardiana Muslimin Maria Adriana Irama Koli Maria Antonia Radji Silli Maria Fransiska Gheli Maria Fransiska Gheli Maria I. H Tiwu Maria I. Hewe Tiwu Maria Indriyani H. Tiwu Maria Indriyani H. Tiwu Maria Indriyani Hewe Tiwu Maria Indriyani Hewe Tiwu Maria Indriyani Hewe Tiwu Maria Indriyani Hewe Tiwu Tiwu Maria Indryani Hewe Tiwu Maria P. L. Muga Maria Prudensia Leda Muga Maria Prudensiana 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 Paula Ruben De Jesus Pello, Marco Adrian Pera, Charmelia M R De Vollys Permana, Viviany Jenkarti Petrus E. De Rosari Petrus E. de Rozari, Priastuti Adangla Rachmiyati, Nekky Ramayana Saputri Toebajoe Rei, Elkostalia Renta Yustie Rico Tenis Rimas, Yofita Elsiana Riski Sofyani, Moetia Sallau, Sally Sarlin Paleina Nawa Pau 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 Yanpitherszon Liunokas Yerisonsianus Peron Yohana F. Angi Yonas F Riwu Yuri Sandra Faah Yustie, Renta Yusuf Frans Kartoma Zelyn Jayanti Margaretha Ratuarat