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EXPLORATION OF FINANCIAL LITERACY STRATEGIES AND ADOPTION OF FINANCIAL TECHNOLOGY TO SUPPORT SMALL AND MEDIUM ENTERPRISES GROWTH IN BORDER AREAS : A CASE STUDY IN BENGKAYANG Rissa Ayustia; Jones Parlindungan Nadapdap; Jorge Ribeiro Freitas; Rismanto Gatot Trisilo; Eligia Monixa Salfarini
Jurnal Ekonomi Vol. 12 No. 04 (2023): Jurnal Ekonomi, 2023
Publisher : SEAN Institute

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Abstract

This case study examines how financial technology adoption and financial literacy initiatives support the expansion of small and medium-sized enterprises (SMEs) in border regions, with a particular emphasis on Bengkayang. Businesses face special opportunities and problems due to the border location, which calls for a customized strategy to technology integration and financial management. The research examines internal strengths and weaknesses as well as external opportunities and threats pertinent to the SME's goals using Internal Factors Analysis Strategy (IFAS) and External Factors Analysis Summary (EFAS) matrix. The IFAS analysis highlights significant advantages in the form of rising government backing and interest, offset by obstacles in the form of resistance and difficulty gaining access to technology. Opportunities like growing demand and partnerships are identified by the EFAS research, along with concerns like political instability and competition. Combining these results, the report suggests proactive risk mitigation, diversified financial services, enhanced collaborations, integrated technology access initiatives, and personalized financial literacy programs. In the particular setting of Bengkayang, a methodical approach to impact evaluation and ongoing monitoring and modification is suggested to guarantee the efficacy of initiatives in fostering SME growth.
ANALYSIS OF EXTRINSIC MOTIVATION IN HONORARIUM TEACHERS (Study on Honor Teachers at SMKN 01 Bengkayang) Eligia Monixa Salfarini; Blasius Manggu; Jones Parlindungan Nadapdap; Bella Ghia Dimmera
Jurnal Ekonomi Vol. 12 No. 04 (2023): Jurnal Ekonomi, 2023
Publisher : SEAN Institute

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This study aims to analyze extrinsic motivation among honorarium teachers at SMKN 01 Bengkayang. Based on school data, around 32.5% of teachers are honorarium teachers at SMKN 01 Bengkayang. The involvement of honorarium teachers in fulfilling the availability of teachers in schools is still very much needed, especially in border areas; therefore, it is necessary to analyze extrinsic motivation factors for honorarium teachers. The research method used is the descriptive-qualitative method. The data in this study are primary and secondary. Primary data is data obtained directly from participants through in-depth interviews; this method is used so that the data collected is deeper and more accurate because it comes from direct participants. Secondary data is data that comes from school documents, electronic sources such as dapodik data, and relevant literature that can support this research. The number of participants was six, who had a career as teachers and worked at SMKN 01 Bengkayang for more than 2 years. The results of the analysis show that leaders, the work environment, life needs, and future careers encourage honorarium teachers to remain enthusiastic at work. From the analysis of interviews with honorarium teachers, future careers to become PPPK employees are their main driving force at work, followed by the work environment, and based on the codification analysis of external factors, leadership, and physiology are in the least favorable position as drivers of work motivation for honorarium teachers. The hope of getting the opportunity to become a government contract employee is the main reason for these honorarium teachers to choose to become honorarium teachers and work optimally because their position as honorarium teachers allows them to be accepted as government contract employees with jobs that match their abilities and better compensation.
Development of Augmented Reality Technology in Tourism as an Effort to Preserve Local Culture Listra Frigia Missianes Horhoruw; Noviyanti P; Yuliana Yuliana; Mira Mira; Jones Parlindungan Nadapdap
Jurnal Info Sains : Informatika dan Sains Vol. 13 No. 03 (2023): Informatika dan Sains , Edition December 2023
Publisher : SEAN Institute

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Abstract

This research examines the development of Augmented Reality (AR) technology in the context of tourism with a focus on the MAKAR application. Involving literature review, cultural sustainability analysis, AR development, and field trials, this study aims to elucidate the potential of AR in preserving local cultural sustainability while enhancing the tourist experience. The literature review provides a profound understanding of AR applications in the tourism sector, highlighting key concepts and their implications. Cultural sustainability analysis lays the ethical foundation for AR development that respects and strengthens local cultural heritage. The AR development process is carried out through the selection of the MAKAR platform, combining technological innovation with local wisdom. This stage involves choosing technologies that support technical requirements while considering positive impacts on cultural sustainability and local community participation. Field trials involve five different tourist locations using various types of smartphones. The results provide insights into user responses, cultural sustainability impacts, and application adaptability to different devices. Despite some delays, overall, the MAKAR application successfully delivers a captivating tourist experience. This research concludes that AR development through the MAKAR application has significant potential in preserving cultural sustainability while providing an innovative tourist experience.