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All Journal Oeconomicus Journal of Economics Jurnal Akuntansi : Transparansi dan Akuntabilitas Kontigensi: Jurnal Ilmiah Manajemen Journal Of Business, Finance, and Economics (JBFE) Haumeni Journal of Education COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Formosa Journal of Sustainable Research (FJSR) Jurnal Manajemen Bisnis dan Organisasi Dharma Ekonomi Journal of Innovative and Creativity Research in Accounting Journal JIMEK Journal of Management and Business Innovation (JOMBINOV) Optimal: Jurnal Ekonomi dan Manajemen
Maria Indriyani Hewe Tiwu
Universitas Nusa Cendana
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Analisis Pengaruh Pajak Daerah dan Retribusi Daerah terhadap Pendapatan Asli Daerah dengan Variabel Moderasi Jumlah Penduduk pada Kabupaten Manggarai Maria Herlina Novali Ngangu; Maria I. Hewe Tiwu; Cicilia A. Tungga
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5715

Abstract

This research aims to examine the influence of Regional Taxes and Regional Levies on Original Regional Income (PAD) in Manggarai Regency, as well as the role of Population as a moderating variable using various regression models. The analysis includes simple regression, regression with interaction (MRA), as well as the T test and F test to test the significance of independent variables on PAD. The results show that Regional Taxes and Population have a significant influence on PAD, while Regional Levies do not have a significant influence. The regression model moderated by population reveals that the interaction with regional taxes strengthens its influence on PAD. However, population does not moderate the influence of regional levies on PAD. Overall, these models can explain most of the variation in PAD, with R2 reaching 75.5% up to 80.3%. Hypothesis testing shows that simultaneously, Regional Taxes, Regional Levies, and Population have a significant effect on PAD with an Adjusted R Square value of 0.603. The partial test also shows the significance of the regression model, with Regional Taxes and Population each having significant influence on PAD, while Regional Levies do not have a partially significant influence. The results of this research are in line with several previous studies which show that Regional Taxes and population have a significant impact on PAD, while the influence of Regional Levies is not significant.
Determinants of Farmers’ Income in Rural Agricultural Communities Luis Enrique Apaut; I Komang Arthana; Maria Indriyani Hewe Tiwu
Research in Accounting Journal (RAJ) Vol. 7 No. 1 (2026): RAJ (Research in Accounting Journal)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/aa0j2r96

Abstract

This study aims to analyze the effect of access to capital, technology utilization, village institutions, and infrastructure availability on farmers’ income in Nitneo Village. This research employs a quantitative approach using multiple linear regression analysis supported by partial and simultaneous hypothesis testing as well as the coefficient of determination. The findings indicate that all independent variables simultaneously have a significant influence on farmers’ income. Partially, technology utilization, village institutions, and infrastructure show a significant effect, while access to capital does not have a significant impact. Furthermore, the model demonstrates a relatively strong ability to explain variations in farmers’ income. Improvements that need to be undertaken include enhancing technology utilization, strengthening village institutions, and improving agricultural infrastructure to sustainably increase farmers’ income.
Smart People sebagai Indikator Akselerasi Implementasi Smart City di Kota Kupang Lady Guirina Fallo; Nikson Tameno; Maria Indriyani Hewe Tiwu
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 5 No. 3 (2025): Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v5i3.6868

Abstract

The development of Kupang Smart City cannot be separated from the aspect of smart people who act as promoters of new innovation creation and urban development. Essentially, the starting point for implementing smart city initiatives in Kupang differs from other major cities; the main challenge lies in human resources. This research aims to explore the role and effectiveness of smart people, as well as the collaborative efforts of the pentahelix, in accelerating the implementation of smart city initiatives in Kupang. This qualitative descriptive study employs both literature review and field study methods. The findings indicate that the role of smart people is crucial in realizing the vision of Kupang Smart City. They are instrumental in adopting digital technology, providing feedback, and generating new innovations to enhance urban services and infrastructure. Additionally, the pentahelix collaboration plays a vital role in creating holistic and sustainable solutions. However, the role of smart people still needs improvement through motivation, strengthening of digital literacy, digital interaction, and increasing community feedback in the evaluation of Kupang Smart City programs.
Efektivitas dan Efisiensi Sistem Pembayaran Non Tunai Quick Response Indonesia Standard (QRIS) dalam Mempengaruhi Inklusi Keuangan Mahasiswa FEB Undana Konsetrasi Perbankan Carles Yulius Bata Mbani; Maria Indriyani Hewe Tiwu; Olivia L.E Tomasowa
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 6 No. 2 (2026): Juni: OPTIMAL: Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v6i2.10723

Abstract

This study aims to determine the effectiveness of the Quick Response Indonesia Standard (QRIS) non-cash payment system in influencing financial inclusion of students at the Faculty of Economics and Business, Nusa Cendana University, Kupang. To determine the efficiency of the Quick Response Indonesia Standard (QRIS) non-cash payment system in influencing financial inclusion of students at the Faculty of Economics and Business, Nusa Cendana University, Kupang. To determine the effectiveness and efficiency of the Quick Response Indonesia Standard (QRIS) non-cash payment system in influencing financial inclusion among students at the Faculty of Economics and Business, Nusa Cendana University, Kupang. This study employed a descriptive quantitative approach. In this study, researchers obtained results derived from the types and sources of data. The data sources used in this study were primary data. The population and sample were all FEB Undana students majoring in monetary banking. The instrument tests used in this study included validity and reliability. Data analysis used multiple linear regression analysis, partial t-test, simultaneous t-test (F-test), and the coefficient of determination (R2). The results showed that both effectiveness and efficiency had a significant effect on financial inclusion, indicating that effectiveness and efficiency had a positive effect on financial inclusion. Based on the simultaneous test results, effectiveness and efficiency simultaneously had a positive and significant effect on financial inclusion. Therefore, Ho was rejected and Ha was accepted. This means that effectiveness and efficiency variables simultaneously influence financial inclusion.
Pengaruh Literasi Keuangan dan Financial Technology (Fintech) terhadap UMKM di Kota Betun Kabupaten Malaka Alisia Maria Mendes; Fransina Wehelmina Ballo; Maria Indriyani Hewe Tiwu
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 5 No. 3 (2025): November: Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan (JIMEK)
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v5i3.7536

Abstract

This research aims to determine the influence of Financial Literacy and Finansial Technology on MSMEs in, Betun City, Malaka Regency, both partially and simultaneously.This research uses a quantitative descriptive research type and this research uses an associative approach. The sample in this research was 47 MSMEs in Betun City. The sampling technique uses the Simple Random Sampling method. The data collection technique in this research uses the questionnaire distribution technique with a Likert scale easurement scale. The data analysis technique in this research uses hypothesis testing (Ttest and F test), and the coefficient of determination. Data management in this research uses SPSS (Statistical Product and Service Solution) software. The results of this research prove that Financial Literacy and Financial Technology together have a positive and significant effect on MSMEs actors in Betun City, Malaka Regency.
Analisis Dampak Kredit Konsumtif Terhadap Pola Konsumsi Rumah Tangga (Studi Kasus Pada Nasabah PNS Bank NTT Kantor Cabang Utama Kupang) Regilinda Kolo; Maria I. Hewe Tiwu; Muhammad A. Habibi Mushlih; Cicilia A. Tungga
Journal of Innovative and Creativity (Joecy) Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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

Abstract

Consumptive credit is a strategic financial instrument that enables households to meet needs requiring large funds without waiting for full savings accumulation. This study analyzes the impact of consumptive credit on household consumption patterns among Civil Servant (PNS) customers of Bank NTT Main Branch Office Kupang. This study employed a qualitative approach with a descriptive case study design, involving 11 informants selected through purposive sampling, consisting of 10 key informants (PNS customers using consumptive credit) and 1 supporting informant (Credit Supervisor). Data were collected through observation, in-depth interviews, and documentation, then analyzed using the Miles and Huberman interactive model assisted by NVivo 12 software with a word frequency query feature, and validated through source, technique, and time triangulation. The results show that consumptive credit is utilized for housing, education, health, land investment, and productive business development, driven by simple procedures and an automatic salary deduction system. Before receiving credit, household consumption was income-based, prioritizing basic needs and deferring large purchases. After receiving credit, households gained greater financial flexibility but also faced increased routine expenditures from monthly installments and asset ownership costs. The impact is dualistic: consumptive credit accelerates need fulfillment and improves quality of life, yet simultaneously reduces disposable income, weakens saving capacity, and increases household financial vulnerability.
ANALYSIS OF THE EFFECT OF INDUSTRIAL AGGLOMERATION AND LABOR FORCE ON ECONOMIC GROWTH IN EAST NUSA TENGGARA PROVINCE FROM 2019-2023 Luthfiah Febrianti; Maria I. Hewe Tiwu; Maria A. Radji Sili
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: 10.64626/jmbo.v4i1.410

Abstract

This study aims to analyze the effect of industrialagglomeration and the labor force on economic growth inEast Nusa Tenggara Province from 2019 to 2023. Aquantitative approach was used, employing a panel dataregression method that combines five years of time series dataand cross-sectional data from 22 regencies/municipalities inEast Nusa Tenggara Province. The panel data model used isthe Random Effect Model (REM). The results of this studyindicate that, partially, industrial agglomeration does nothave a significant effect on economic growth, while the laborforce has a significant effect on economic growth.Simultaneously, industrial agglomeration and the labor forcehave a significant effect on economic growth in East NusaTenggara Province.
PUBLIC-PRIVATE PARTNERSHIP IN THE DEVELOPMENT OF MSMES IN MANGGARAI REGENCY Hilde Septine Jerubu; Maria Indriyani Hewe Tiwu; Novi Theresia Kiak
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: 10.64626/jmbo.v4i1.418

Abstract

This study aims to analyze the partnership between the government and the private sector in the development of Micro, Small, and Medium Enterprises (MSMEs) in Manggarai Regency. The approach used is descriptive qualitative, with data analysis techniques based on the Miles and Huberman model, which includes data reduction, data display, and conclusion drawing. Informants consist of representatives from local government agencies (BAPPEDA and the Department of Cooperatives, MSMEs, and Trade), financial institutions (Bank BRI), and MSME actors. The results show that the established partnership has helped improve access to capital, business training, and managerial assistance for MSMEs. Supporting factors for the partnership include pro-MSME government policies, active roles from the private sector, and synergy in empowerment programs. However, there are also obstacles such as complex bureaucracy, limited information, and a lack of financial literacy among MSME actors. This study recommends strategies to strengthen cross-sectoral coordination, simplify administrative procedures, and improve the human resource capacity of MSMEs in order to make the partnership more effective and sustainable.
THE IMPACT OF THE REVITALIZATION OF MOTANG RUA FIELD IN RUTENG CITY ON THE DEVELOPMENT OF THE CREATIVE ECONOMY IN MANGGARAI REGENCY Maria Herkulani Murdian; Maria Indriyani Hewe Tiwu; Maria Antonia Radji Sili
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: 10.64626/jmbo.v4i1.422

Abstract

This study aims to analyze the impact of the revitalization of Motang Rua Field in Ruteng City on the development of the creative economy in Manggarai Regency. The revitalization of this public space was intended to enhance the social and economic functions of an area that had previously been underutilized. Using a quantitative approach through correlation analysis of 40 respondents involved in the creative economy, including MSMEs, as well as a qualitative approach employing SWOT analysis from 20 key informants, the study found that the revitalization significantly contributed to the growth of creative economic activities, particularly in the culinary, crafts, and performing arts subsectors. The results show increased community participation, local economic circulation, and MSME growth in the vicinity of Motang Rua Field. Additionally, the local government's development strategies included the provision of supporting infrastructure, strengthening of local tourism promotion, and active engagement of creative communities. These findings affirm that public space revitalization, when designed in a participatory and sustainable manner, can serve as a catalyst for building a creativity-based local economy. The study provides recommendations for local governments in formulating policies that support the sustainability of public spaces and the creative economy in other regions with similar conditions.
THE IMPACT OF USING SHOPEE PAYLATER PAYMENTS ON THE CONSUMER BEHAVIOR OF KUPANG CITY SOCIETY Fauziah Amalia Fajrin; Maria Indriyani Hewe Tiwu; Novi Theresia Kiak
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: 10.64626/jmbo.v4i1.434

Abstract

Things that influence related with behavior consumptive is demands social and environmental place Where individual That life . In addition , the style life is also one of influential thing to the emergence need desire as well as behavior in buy something . So from That Behavior consumptive is behavior consume the real stuff not enough or No necessary ( especially those related to with response to consumption goods secondary , namely items that are not too required ). The method to be used done in study This is questionnaire or questionnaire . Questionnaire or questionnaire is a set question or statement that must be answered by respondents . Research This use instrument Use of Shopee Paylater and behavior consumptive . Questionnaire in study This use scale likert scale Likert is the scale used For measure attitudes , opinions and perceptions somebody or group of people about social phenomena . From the results study show that majority Respondent payment system users shopee paylater is Woman with amount by 78% or 78 people and men a total of 22% or 22 communities . After analyze all over results obtained from each variables , hypothesis testing is carried out with using SPSS (Statistical Product and Service Solution) version 26 for test the hypothesis proposed in study that is is there any influence use system payment shopee paylater to behavior consumptive among public city Kupang or no . Based on results testing show that variable system payment shopee paylater influential significant to behavior consumptive.
Co-Authors Alisia Maria Mendes andri paulus loe Angi, Yohana Febiani Arthana, I Komang Carles Yulius Bata Mbani Cicilia A. Tungga Daniel Naramesakh Fauziah Amalia Fajrin Felisia Saron Tjengga Fransina W. Ballo Fransina W. Ballo Fransina Wehelmina Ballo Hilde Septine Jerubu Lady Guirina Fallo Luis Enrique Apaut Luthfiah Febrianti Maak, Clarce Sarliana Maria A. Radji Sili Maria Antonia Radji Sili Maria Herkulani Murdian Maria Herlina Novali Ngangu Maria Yosefa Dhiu Minarni A. Dethan Muhammad A. Habibi Mushlih Novi Theresia Kiak Olivia L.E Tomasowa Petrichia Ervelyn Lollo Rambu Jenika Puteri Cendana Redentus Natalis Jelahut Regilinda Kolo Sarlin Paleina Nawa Pau Stevi Lodo Tameno, Nikson Yuri Sandra Faah