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Analisis Tingkat Financial Literacy Berdasarkan Gender dan Fakultas pada Mahasiswa Universitas Negeri Gorontalo Toonaw, Melinda; Hinelo, Raflin; Pongoliu, Yayu Isyana
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.8233

Abstract

Penelitian ini bertujuan untuk mengetahui perbedaan tingkat literasi keuangan mahasiswa Universitas Negeri Gorontalo berdasarkan faktor demografi, khususnya jenis kelamin dan fakultas. Penelitian ini menggunakan pendekatan kuantitatif dengan metode komparatif, karena berfokus pada perbandingan tingkat literasi keuangan antara kelompok mahasiswa yang memiliki karakteristik demografis berbeda. Teknik pengumpulan data dilakukan melalui kuesioner, observasi, dan dokumentasi. Sampel penelitian berjumlah 100 mahasiswa Universitas Negeri Gorontalo yang dipilih sesuai dengan kebutuhan penelitian. Data yang diperoleh dianalisis menggunakan uji Mann Whitney U Test, karena data penelitian digunakan untuk membandingkan dua kelompok independen. Hasil penelitian menunjukkan bahwa jenis kelamin berpengaruh signifikan terhadap tingkat literasi keuangan mahasiswa Universitas Negeri Gorontalo. Berdasarkan perbandingan rata-rata nilai, mahasiswa perempuan memiliki tingkat literasi keuangan yang lebih tinggi dibandingkan mahasiswa laki-laki. Temuan ini menunjukkan bahwa terdapat perbedaan kemampuan dalam memahami, mengelola, dan mengambil keputusan keuangan antara mahasiswa laki-laki dan perempuan. Sementara itu, faktor fakultas tidak berpengaruh secara signifikan terhadap tingkat literasi keuangan mahasiswa. Meskipun demikian, hasil perbandingan rata-rata menunjukkan bahwa mahasiswa Fakultas Ekonomi memiliki tingkat literasi keuangan yang lebih tinggi dibandingkan mahasiswa dari fakultas non-Ekonomi. Hal ini mengindikasikan bahwa latar belakang pendidikan ekonomi dapat memberikan pemahaman yang lebih baik mengenai konsep dan pengelolaan keuangan, meskipun perbedaannya tidak cukup kuat secara statistik. Dengan demikian, literasi keuangan mahasiswa perlu terus ditingkatkan melalui edukasi keuangan yang merata bagi seluruh mahasiswa, baik laki-laki maupun perempuan, serta mahasiswa dari berbagai fakultas di lingkungan Universitas Negeri Gorontalo.
The Determinant of The Improvement of Sales Volume by Small Medium Enterprises That Sell Processed Food in Gorontalo Regency Idris Yanto Niode; Raflin Hinelo
Journal of The Community Development in Asia Vol 3, No 2 (2020): May 2020
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jcda.v3i2.814

Abstract

The study aims to determine the effect of partially or simultaneously the brand image of SMI products, investment through government capital assistance and zakat routines to increase the sales volume of IKM food processed products in Gorontalo Regency. The results showed (1) Simultaneously the brand image of IKM products, investment through government capital assistance and zakat routines simultaneously had a significant effect on the increase in sales volume of IKM food processed products in Gorontalo Regency. (2) partially brand image has a significant positive effect on the increase in sales volume of SMI food processed products in Gorontalo Regency. Investment through government capital assistance has not a significant positive effect on the increase in the sales volume of SMI food processed products in Gorontalo Regency. Zakat routine has a significant positive effect on the increase in the sales volume of SMI processed food products in Gorontalo Regency.
Analisis Prediksi Financial Distress menggunakan Model Ohlson: Studi Empiris pada Perusahaan Manufaktur Sektor Aneka Industri yang terdaftar di Bursa Efek Indonesia Tahun 2019-2024 Nabila Putry Maharani; Raflin Hinelo; Yayu Isyana Pongoliu
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.9150

Abstract

Financial distress merupakan kondisi penurunan kesehatan keuangan perusahaan yang terjadi sebelum kebangkrutan atau likuidasi. Deteksi dini terhadap kondisi tersebut penting dilakukan agar manajemen, investor, kreditur, dan pemangku kepentingan lain dapat mengambil keputusan yang lebih tepat, terutama pada sektor aneka industri yang memiliki karakteristik bisnis beragam dan rentan terdampak fluktuasi ekonomi. Penelitian ini bertujuan untuk mengetahui kemampuan model Ohlson dalam memprediksi financial distress pada perusahaan sektor aneka industri yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2019–2024. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan keuangan tahunan perusahaan yang telah dipublikasikan melalui Bursa Efek Indonesia. Sampel ditentukan menggunakan teknik purposive sampling, sehingga diperoleh 41 perusahaan dengan periode observasi selama enam tahun dan menghasilkan 246 data observasi. Teknik analisis data meliputi statistik deskriptif, uji multikolinearitas, serta analisis regresi logistik biner yang diolah menggunakan IBM SPSS versi 25. Variabel penelitian mengacu pada sembilan rasio dalam model Ohlson sebagai prediktor financial distress. Hasil penelitian menunjukkan bahwa model Ohlson dapat digunakan untuk memprediksi financial distress pada sektor aneka industri. Dari sembilan rasio yang diuji, lima rasio berpengaruh signifikan terhadap financial distress, sedangkan empat rasio lainnya tidak berpengaruh signifikan. Berdasarkan tabel klasifikasi, model Ohlson secara keseluruhan mampu memprediksi kondisi financial distress perusahaan sektor aneka industri yang terdaftar di BEI periode 2019–2024 dengan tingkat ketepatan sebesar 93,5%. Temuan ini memberikan bukti empiris bahwa model Ohlson dapat menjadi alat peringatan dini yang relevan dalam menilai risiko keuangan perusahaan, sekaligus membantu pihak berkepentingan dalam mengevaluasi keberlanjutan usaha pada periode krisis dan pascakrisis ekonomi nasional.
Pengaruh Struktur Aktiva Dan Likuiditas Terhadap Kebijakan Hutang Pada Perusahaan Sektor Consumer Goods Yang Terdaftar Di Bursa Efek Indonesia (BEI) Periode 2020-2022 Rivai Musa; Raflin Hinelo; Lanto Miriatin Amali
Primanomics : Jurnal Ekonomi & Bisnis Vol. 23 No. 1 (2025): Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : LPPM Universitas Buddhi Dharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/pe.v23i1.3435

Abstract

The debt policy of the organization is a crucial component of financial management. Although the correct debt strategy might raise a company's financial risk if not handled correctly, it can also provide the funds needed for investment and development. The consumer products industry is only one of several that is always attempting to change its policies to match the times. Companies have the option to take out loans in order to get the extra money they need. Here are the goals of this research: one, to find out whether asset structure affects debt policy; two, to find out if liquidity affects debt policy; and three, to find out if asset structure and liquidity both affect debt policy in manufacturing enterprises that produce consumer products from 2020 to 2022. This research employs a quantitative approach by examining secondary data obtained from annual financial reports. A purposive selection strategy was used to randomly choose 49 businesses from the consumer goods sector out of a total of 88. Several examples of analytical tests include hypothesis testing, classical assumption tests, and several linear regression analyses. The results show that asset structure (SAT) has a positive and statistically significant effect on debit policy, but liquidity (CR) has a negative effect. Additionally, the data demonstrates that debt policy is positively and significantly affected by both asset structure (SAT) and liquidity (CR) simultaneously.
Pengaruh Program Sertifikasi terhadap Kinerja Guru SMP Andriani H. Lidjali; Irina Popoi; Raflin Hinelo
Research Review: Jurnal Ilmiah Multidisiplin Vol. 1 No. 2 (2022): Research Review: Jurnal Ilmiah Multidisiplin (Agustus 2022 - Januari 2023)
Publisher : Transbahasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54923/researchreview.v1i2.21

Abstract

Tujuan penelitian ini adalah untuk mengetahui seberapa besar program sertifikasi terhadap kinerja Guru di SMP Negeri I Bulango Utara. Penelitian ini menggunakan pendekatan kuantitatif dengan metode yang digunakan dalam penelitian ini adalah metode kuantitatif kolerasional dengan jumlah sampel 25 orang Guru. Teknik pengumpulan data yang digunakan dalam penelitian ini adalah wawancara, kuesioner, dokumentasi serta teknik analisis data pada penelitian ini menggunakan regresi sederhana. Hasil Penelitian menunjukan bahwa terdapat pengaruh program sertifikasi terhadap kinerja Guru di SMP Negeri I Bulango Utara. Besar pengaruh dari program sertifikasi terhadap kinerja Guru mencapai 25,2% sedangkan sisanya sebesar 74,8% dipengaruhi oleh variabel yang tidak diteliti.
The Role of Carbon Risk, Climate Change Exposure and Good Corporate Governance in The Cost of Capital Nurnaningsih Utiarahman; Fahrudin Zain Olilingo; Raflin Hinelo; Robiyati Podungge
Journal of International Conference Proceedings Vol 9, No 1 (2026): 2026 Dili ICPM Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v9i1.4730

Abstract

This study examines the influence of carbon risk, climate change exposure, and good corporate governance on the cost of capital in manufacturing companies that go public on the IDX. This study uses a quantitative research approach using secondary data obtained from manufacturing companies that go public on the IDX. The sample consists of 100 observations of manufacturing companies that go public on the IDX, which were selected through purposive sampling. Data analysis was carried out using SPSS"26. Analysis techniques include descriptive statistics, classical assumption tests, multiple linear regression analysis, t-tests, F tests, and hypothesis testing. Partial results show that carbon risk, climate change exposure, and good corporate governance have a partial effect on the cost of capital in manufacturing companies that go public on the IDX. At the same time, carbon risk, climate change exposure, and good corporate governance affect the cost of capital in manufacturing companies that go public on the IDX. The study contributes to the accounting literature and provides practical implications for regulators, managers and investors
Do Sectoral Stock Indices Predict Sectoral Economic Growth? :A Systematic Literature Review of Evidence for Mixed Frequency Forecasting in Emerging Markets Muhammad Ardi Ardi; Fahrudin Zain Olilingo; RAFLIN HINELO; ROBIYATI PODUNGGE
Journal of International Conference Proceedings Vol 9, No 1 (2026): 2026 Dili ICPM Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v9i1.4713

Abstract

This study systematically reviews the literature on the ability of sectoral stock indices to predict sectoral economic growth, particularly using mixed-frequency forecasting approaches in emerging markets. The issue is important because stock markets operate at high frequencies (daily or weekly), while sectoral economic indicators—such as industrial output, sectoral GDP, and production indices—are typically available at lower frequencies (monthly, quarterly, or annually). This mismatch creates both methodological challenges and analytical opportunities in integrating financial and real-sector data. Using a systematic literature review, the study synthesizes theories of market efficiency, the relationship between finance and economic growth, and the Mixed Data Sampling (MIDAS) approach. The literature indicates that stock prices may contain forward-looking information related to profit expectations, sectoral demand, financing conditions, and investor sentiment. However, empirical evidence at the sectoral level in emerging markets remains mixed due to differences in market structures, macroeconomic volatility, uneven liquidity, and data limitations.The study concludes that integrating sectoral stock indices with economic indicators through mixed-frequency models offers valuable contributions to macro-financial forecasting, although further sector-specific and country-specific empirical research is still needed..  Keywords: sectoral stock indices; economic growth, mixed-frequency, MIDAS; emerging markets; forecasting; macro-financial.
Advancing Organizational Sustainability through Responsible Innovation and Green Human Resource Management: Evidence from Indonesia’s Public Sector Silveny Ismail; Fahrudin Zain Olilingo; Raflin Hinelo; Robiyati Podungge
Journal of International Conference Proceedings Vol 9, No 2 (2026): 2026 Vietnam ICPM Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v9i2.4803

Abstract

Public-sector organisations in developing countries face increasing pressure to achieve sustainability through responsible innovation and environmentally oriented human resource management practices. This study investigates the direct effect of Responsible Innovation Practices (RIP) on Organisational Sustainability (OS) and the indirect effect through Green Human Resource Management (GHRM) among Indonesian public-sector employees. A quantitative causal-explanatory approach was employed using survey data from 300 civil servants, analysed with Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings reveal that RIP has a significant positive effect on both GHRM and organisational sustainability. GHRM also positively influences organisational sustainability and partially mediates the relationship between RIP and sustainability, indicating that responsible innovation strengthens sustainable outcomes through environmentally oriented HRM practices. These results suggest that public organisations should integrate responsible innovation into recruitment, training, performance management, and reward systems. This study contributes to the sustainability and HRM literature by providing empirical evidence from Indonesia's public sector and highlighting the strategic role of green HRM in achieving organisational sustainability
Pengaruh Komitmen Afektif terhadap Perilaku Sportsmanship Pegawai melalui Mediasi Budaya Organisasi Di BPJS Gorontalo: The Influence of Affective Commitment on Employee Sportsmanship Behavior through Organizational Culture Mediation at BPJS Gorontalo Maku, Nurlaila Agustin; Machmud, Rizan; Tantawi, Rezkiawan; Hinelo, Raflin; Juanna, Andi
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 12 No. 2 (2025): e-JEBA Volume 12 Number 2 Year 2025
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejeba.v12i2.53723

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh komitmen afektif terhadap perilaku sportsmanship pegawai dengan mempertimbangkan peran budaya organisasi sebagai mediator, dalam konteks organisasi penyelenggara jaminan sosial ketenagakerjaan di Kota Gorontalo. Penelitian menggunakan pendekatan kuantitatif dengan metode survei dan teknik pengambilan sampel berupa sensus terhadap seluruh pegawai yang menjadi responden. Data dikumpulkan melalui penyebaran kuesioner dan dianalisis menggunakan metode pemodelan persamaan struktural berbasis partial least squares dengan bantuan perangkat lunak analisis statistik. Hasil penelitian menunjukkan bahwa komitmen afektif tidak berpengaruh secara langsung terhadap perilaku sportsmanship, namun memiliki pengaruh yang signifikan terhadap budaya organisasi, dan budaya organisasi memiliki pengaruh signifikan terhadap perilaku sportsmanship pegawai. Dengan demikian, budaya organisasi terbukti sebagai mediator penuh dalam hubungan antara komitmen afektif dan perilaku sportsmanship. Kesimpulan dari penelitian ini adalah bahwa peningkatan perilaku sportsmanship pegawai sangat bergantung pada kekuatan budaya organisasi yang dibentuk oleh komitmen afektif. Rekomendasi yang diberikan mencakup penguatan nilai-nilai budaya kerja yang terbuka, kolaboratif, dan menghargai kinerja, serta pengembangan program pelatihan, kegiatan membangun tim, dan sistem penghargaan yang mendukung perilaku positif di tempat kerja.
PENGARUH LITERASI KEUANGAN TERHADAP PENGELOLAAN KEUANGAN PRIBADI MAHASISWA Mahiro Sholeha Niu; Radia Hafid; Rierind Koniyo; Raflin Hinelo; Agil Bahsoan
Oikos Nomos: Jurnal Kajian Ekonomi dan Bisnis Vol 18, No 2 (2025): Desember 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jkeb.v18i2.38470

Abstract

This study aims to examine the effect of financial literacy on the personal financial management of the 2024 cohort of students in the Department of Economic Education, Faculty of Economics and Business, Universitas Negeri Gorontalo. The study employed a quantitative approach using an associative research method. The population consisted of 184 students, with a sample of 65 respondents selected through simple random sampling using the Slovin formula. Data were collected using a Likert-scale questionnaire. Data analysis included validity testing, reliability testing, normality testing, and simple linear regression analysis using SPSS software. The results indicate that financial literacy has a positive and significant effect on students' personal financial management. This is evidenced by a correlation coefficient (r) of 0.781, indicating a strong relationship between the two variables. The coefficient of determination (R²) is 0.610, meaning that 61% of the variation in students' personal financial management is explained by financial literacy, while the remaining 39% is influenced by other factors outside the scope of this study. The hypothesis testing results show that the calculated t-value exceeds the critical t-value (9.930 1.999) at a significance level of α = 5%, with a significance value of 0.000 0.05. Therefore, H₀ is rejected and H₁ is accepted. It can be concluded that the higher the level of students' financial literacy, the better their ability to manage their personal finances.
Co-Authors Abd. Rahman Pakaya Abd. Rahman Pakaya Abdullah, Karmila Abdulrahim Maruwae Abubakar, Ikhlasul Amalriadna Agil Bahsoan Agunta, Tiara Santri Alma Pakiun Ambar Nabiilah Arsjad Andi Juanna Andi Yusniar Mendo Andriani H. Lidjali Anisa Mabunga Ardiansyah Ardiyansyah Ardiyansyah Armaku , Kholkartya Novianti Asnawi, Melan Angriani Asya, Asya Atmanda Mokodompit Banjarnahor, Ari Biahimo, Sitti Zulaeha Boby Rantow Payu Bulango, Ayub Daud, Yolanda Maramis Dewa Ayu Lestari Dewi Indrayani Hamin Dewi Indrayani Hamin Deysi Wantu, Septiyani Diah Anggriani Albert Djuba, Irmawaty R. Doda, Khairunnisa Dungga, Meriyana Fransisca Eduart Wolok Elvira Akuba Endi Rahman Fahrudin Zain Olilingo Fatmawaty Damiti Fitri Auliya Ramadani Gawung Wicaksono Gina Wulandari Rauf Habi, Putri Delparani Hais Dama Halid Ahmad Hapsawati Taan Heldy Vanni Alam Herlina Rasjid Husain Ambo Husen Arifin Idham Masri Ishak Idris Yanto Niode Ilma Trisa Dewi Hamzah Irawati Abdul Irawati Abdul Irina Popoi Irwan Yantu Isa, Ramlan Amir Jamila H. Rauf Junaidi E Nani Juniaty Ismail Karmoy, Moh. Fadhel Kidam, Tasya Kidamu, Opan Kifli Ahmad Kilo, Sri Yuliana Kude, Lurinda A. Lanto Miriatin Amali Latief, Lian A Lidjali, Andriani H. Lisda L. Asi Luthfiyyah Muhadzdzab Mahiro Sholeha Niu Mahmud, Novaldy Maku, Nurlaila Agustin Manda, Zildjian Berbi Gita Manhia, Ayisah Maya Novrita Dama Meimun Hamzah Melizubaida Mahmud Meyko Panigoro Miranda Puspita Moh. Alaika Nurula Moh. Zul Rahman Madjid Mohamad Agus Salim Monoarfa Mohamad Rinaldi Djakaria Mohammad Agus Salim Mokodompit, Regita C. Mootalu, Amalia Muchtar Ahmad Muhammad Ardi Ardi Musa, Rivai Thalib Nabila Putry Maharani Nasywa Nafilah Bugis Ninik Utami Noval Adriyanus Karim Novita Djafar Nurain Putri Wahab Nurmilan Baili Nurnaningsih Domili Nurnaningsih Utiarahman Olii, Mohammad Juan Tio Pakaya, Abd Rahman Paramata, Sri Sindi Pasambuna, Qalfiansah Patrisia Kawulusan Putri Anggraini Hasan Radia Hafid Radji, Djoko Lesmanan Rahma Mohi Rahmantyo Pambi Refliani Kakilo Reyvina Prisilia Bawole Rezkiawan Tantawi Rierind Koniyo Rilwins Onggilu Risca Marsanti Halid Riska Annisa Abdjul Riska Jangko Rivai Musa Riyani Noviawijaya Gobel Rizal Zakaria Rizan Machmud Rizma, Rizma Robiyati Podungge Rosman Ilato Roy Hasiru Safrudin Lakoro Saliko, Firnaningsi Sampir, Allya Riska Putri Selvi Selvi Silveny Ismail Soga, Diva Revansyach Sri Indriyani S. Dai Srie Isnawaty Pakaya Sudirman Sudirman Sugala, Wahyu Suud Mahdalena Lakoro Syarwani Canon Talani, Novita M. Thalib, Sri Hardayanti A. Toleng, Rosita B Toonaw, Melinda Tri Handayani Amaliah Umin Kango Valentina Monoarfa Wahyu Lestari Win, Thinzar Windra Angraini Harun Wirna D. Rahim Wiwin Wiwin, Wiwin Yakob Nina Yayu Isyana D. Pongoliu Yulianti Toralawe Yulinda L.Ismail Yunita Gaib Yusrin S. Hasan