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All Journal JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI FINANCIAL : JURNAL AKUNTANSI Majalah Ilmiah Warta Dharmawangsa JURNAL ILMIAH MAKSITEK JURNAL ILMIAH SIMANTEK Golden Ratio of Data in Summary Jurnal Ekonomi, Manajemen, Akuntansi

MARIA MAGDALENA BATE’E

UNIVERSITAS NIAS

Author-ID : 5488633

Religion Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences

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ANALISIS PENGELOLAAN ADMINISTRASI KEUANGAN PADA KANTOR PENGADILAN AGAMA GUNUNGSITOLI RAHMIAH MENDROFA; MARIA MAGDALENA BATE’E; YAKIN NIAT TELAUMBANUA
JURNAL ILMIAH MAKSITEK Vol 7 No 3 (2022): JURNAL ILMIAH MAKSITEK
Publisher : LP2MTBM MAKARIOZ

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This study aims to determine the financial administration management at the Gunungsitoli Religious Court 2021. The type of research used in this research is a qualitative descriptive approach. The data processed is a summary of the budget of the Gunungsitoli Religious Court Office which is obtained from the annual report of the Gunungsitoli Religious Court Office. The analytical technique used in this research is descriptive analysis technique, namely by collecting and filtering the information obtained thoroughly and in detail, then described in order to obtain a clear picture. Based on the results of data collection at the Gunungsitoli Religious Court Office, it can be concluded that the Management of Financial Administration at the Gunungsitoli Religious Court Office is in accordance with the Law of the Republic of Indonesia Number 1 of 2004 concerning State Treasury Article 55 of Law of the Republic of Indonesia Number 17 of 2003 concerning State Finances and Law No. - Law Number 12 of 2018 concerning Budget Revenue and Expenditure December 31, 2021, PP 71 of 2010 concerning Government Accounting Standards and principles of sound financial management in government, as well as Regulation of the Minister of Finance Number: 222/PB/2016 concerning Guidelines for Compilation and submission of reports accrual-based finance at the ministries/agencies, but not yet optimal because the realization has not yet reached 100%, which is 94.64%.

PENGARUH LITERASI KEUANGAN TERHADAP PERILAKU KEUANGAN MAHASISWA PROGRAM STUDI MANAJEMEN FAKULTAS EKONOMI UNIVERSITAS NIAS RINCE ASTUTI ZEGA; MARIA MAGDALENA BATE’E; YAKIN NIAT TELAUMBANUA
JURNAL ILMIAH SIMANTEK Vol 6 No 4 (2022): JURNAL ILMIAH SIMANTEK
Publisher : LP2MTBM MAKARIOZ

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Financial problems will always be owned by every individual. Nowadays financial problems are the main issue in problems both in work matters and household affairs. These financial problems will also be closely related to the level of poverty in an area. Financial problems are closely related to financial management where it is hoped that good financial management will have an impact on the economic stability of each individual to overcome poverty for him. The development of the times and current technology actually has a positive impact on people's attitudes and behavior in managing their finances. The public will easily get financial management information through financial literacy. The purpose of this research was conducted to find out whether financial literacy influences the financial behavior of students of the Management Study Program, Faculty of Economics, and University of Nias. The researcher had 47 student respondents by taking the subject, namely 15% (Arikunto) of the total population of 314 class 2020 students in the Management Study Program, Faculty of Economics, and University of Nias.

PENGARUH RASIO LIKUIDITAS TERHADAP PERKEMBANGAN KREDIT KUR PADA PT. BANK SUMUT CABANG GUNUNGSITOLI TAHUN 2021 SYARIFA AINI; MARIA MAGDALENA BATE’E; YAKIN NIAT TELAUMBANUA
JURNAL ILMIAH SIMANTEK Vol 6 No 4 (2022): JURNAL ILMIAH SIMANTEK
Publisher : LP2MTBM MAKARIOZ

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This journal discusses the effect of the Liquidity Ratio on the Development of KUR at PT. Bank Sumut Gunungsitoli Branch. The formulation of the research problem is, Does the Liquidity Ratio Affect the Development of KUR and How Much Does the Liquidity Ratio Influence the Development of KUR at PT. Bank Sumut Gunungsitoli Branch in 2021. The purpose of this study was to determine the influence of the Liquidity Ratio on the Development of KUR and to find out how much influence these two variables have. The type of research used is quantitative research with a descriptive approach. Furthermore, data management techniques and data analysis are carried out through Correlation Analysis, Simple Linear Regression Analysis, Coefficient of Determination, and Hypothesis Testing (t test). Judging from the results of the study, it shows that there is no influence of the Liquidity Ratio on the Development of KUR. The results of hypothesis testing with the t test show that the Liquidity Ratio partially has no influence on the Development of KUR. And the results of the correlation obtained a low relationship between the Liquidity Ratio to the development of KUR. The magnitude of the influence of the Liquidity Ratio on KUR development can be seen from the Determination Coefficient of 13.2% and the rest is influenced by other factors.

Analisis Manajemen Piutang Dalam Meminimalisisr Resiko Piutang Tak Tertagih Pada PT Multi Pilar Indah Jaya (Distributor PT Unilever Indonesia Tbk) Kota Gunungsitoli Dian Nikita Zebua; Maria Magdalena Bate’e; Yakin. N. Telaumbanua
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 10 No. 4 (2022): JE. VOL 10 NO 4 (2022)
Publisher : Universitas Sam Ratulangi

Accounts receivables is one of the current assets owned by a company as a result of credit sales made by the company. However, the existence of receivables owned by a company will pose a risk of bad debt. At PT Multi Pilar Indah Jaya (Distributor PT Uniever Indonesia Tbk) Kota Gunungsitoli itself also has bad debts due to the inneffective control of receivables carried out by the management. The purpose of this study is to find out how to control accounts receivable in minimizing bad debts at PT Multi Pilar Indah Jaya (Distributor PT Unilever Indonesia Tbk) Kota Gunungsitoli. This study uses descriptive qualitative researh where the author analyzes the receivables data and provides a detailed description of the research results. The source of the data for this research is interviews and observations conducted at PT Multi Pilar Indah Jaya (Distributor PT Unilever Indonesia Tbk) Kota Gunungsitoli. Based on an analysis of receivables for the last three years (2019-2021) the percentage of bad debts has increased due to the impact of the Covid-19 pandemic, which has caused the receivables control system to be ineffective, therefore it is necessary to implement a government policy by not implementing Large-Scale Social Restrictions (PSBB). The results of the study obtained after the government did not implement large-scale social restrictions (PSBB) and carried out good management, namely bad debts decreased. Keywords : Accounts receivable management, Bad debts, Covid-19, Government

Analisis Kinerja Keuangan Koperasi Pada Koperasi Konsumen Tokosa Sahabat Sejati Kota Gunungsitoli Insaf Rizalt Putra Gulo; Maria Magdalena Bate’e; Yakin Niat Telaumbanua
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 10 No. 4 (2022): JE. VOL 10 NO 4 (2022)
Publisher : Universitas Sam Ratulangi

Menganalisis laporan keuangan bertujuan untuk mengetahui baik buruknya keadaan keuangan koperasi yang mencerminkan prestasi kerja dalam periode tertentu. Untuk mengetahui kinerja keuangan suatu koperasi dapat dilihat dari Laporan Keuangan, Neraca, Laporan Laba Rugi, dan Laporan Arus Kas. Untuk menilai kinerja keuangan perlu yang namanya Analisis Rasio Keuangan yaitu, Rasio Likuiditas, Rasio Aktivitas, dan Rasio Profitabilitas. Teknik analisis yang digunakan oleh penulis yaitu Peraturan Menteri Negara Koperasi dan Usaha Kecil Menengah Republik Indonesia, Nomor 06/per/M.KUKM/V/2006 Tanggal 1 Mei 2006 tentang Pedoman Penilaian Koperasi Berprestasi atau Koperasi Award. Berdasarkan hasil pengamatan pada Koperasi Konsmen Tokosa Sahabat Sejati Kota Gunungsitoli, secara umum dari tahun ke tahun mengalami pertumbuhan yang kurang baik, berdasarkan data aktiva, hutang dan modal koperasi setiap periode terjadi penurunan pada periode tertentu, hal ini disebabkan oleh tingkat kesadaran anggota dalam keaktifan melunasi simpanan wajib dan tidak lancar dalam pembayaran kredit. Kendala lainyang ada pada Koperasi Konsumen Tokosa Sahabat Sejati Kota Gunungsitoli yaitu belum pernah dilakukan perhitungan kinerja keuangan, setiap tahunnya pengurus koperasi hanya membuat laporan pertanggungjawaban tahunan yang berisikan neraca dan sisa hasil usaha saja. Seharusnya perlu untuk melakukan analisis keuangan berupa rasio keuangan agar dapat melihat kinerja keuangan koperasi tersebut sehat atau tidak sehat. Jenis penelitian yang digunakan penulis yaitu Riset Deskriptif Kuantitatif. Kata Kunci : Analisis Kinerja Keuangan Koperasi.

Analisis Net Profit Margin Pada Pt Unilever Indonesia Tbk (Perusahaan Manufaktur Yang Terdaftar Pada Bursa Efek Indonesia) Mart Peterson Daeli; Maria Magdalena Bate'e; Yakin Niat Telaumbanua
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 10 No. 4 (2022): JE. VOL 10 NO 4 (2022)
Publisher : Universitas Sam Ratulangi

Net Profit Margin (NPM) merupakan sebuah rasio profitabilitas yang difungsikan untuk menilai tingkat keberhasilan keseluruhan penjualan dari suatu perusahaan. Rasio net profit margin merupakan sebuah rasio yang sering dipergunakan dalam menilai tingkat kinerja perusahaan dalam memperoleh profitabilitas, rasio NPM sangat efektif karena dalam penggunaanya perusahaan dapat mengetahui laba bersih yang dihasilkan dalam suatu periode tertentu. Jika NPM yang dihasilkan tinggi, maka dapat dikatakan bahwa perusahaan telah mengelola dan mengoperasikan biaya perusahaan dengan baik. Penelitian ini bertujuan untuk menganalisis net profit margin PT Unilever Indonesia pada tahun 2017 sampai tahun 2021. Metode yang dipergunakan yaitu metode deskriptif kuantitatif. Hasil penelitian yang dilakukan menunjukkan bahwa net profit margin yang dihasilkan pada tahun 2018 merupakan range tertinggi bila dibandingkan pada tahun 2017,2019,2020 dan 2021. Kata Kunci: Net Profit Margin (NPM)

PENGARUH STRATEGI PEMASARAN TERHADAP KEPUASAN NASABAH PT. TASPEN (PERSERO) CABANG GUNUNGSITOLI Kristiani Zendrato; Maria Magdalena Bate'e; Yuterlin Zalukhu; Serniati Zebua
Jurnal Warta Dharmawangsa Vol 17, No 3 (2023)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/wdw.v17i3.3580

PENGOPERASIAN SISTEM APLIKASI E-ARSIP DALAM MEMAKSIMALKAN MANAJEMEN OPERASI PELAYANAN SURAT MASUK DAN SURAT KELUAR BERBASIS DIGITAL DI DINAS KOMUNIKASI DAN INFORMATIKA KABUPATEN NIAS UTARA Robert Onahia Waruwu; Kurniawan Sarototonafo Zai; Maria Magdalena Bate'e; Jeliswan Berkat Iman Jaya Gea
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 12 No. 01 (2024): JE. Vol. 12 No 1
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/emba.v12i01.52875

Penelitian ini bertujuan untuk: 1) Untuk mengetahui pengoperasian sistem aplikasi E-Arsip. 2) Untuk mengetahui manajemen operasi pelayanan surat masuk dan surat keluar berbasis digital. 3) Untuk mengetahui kelemahan pengoperasian Aplikasi E-Arsip di Dinas Komunikasi dan Informatika Kabupaten Nias Utara. Penulis menetapkan bahwa penelitian ini dilakukan dalam jenis penelitian kualitatif dengan pendekatan Deskriptif karena jenis penelitian ini memiliki tujuan untuk mendeskripsikan dan menganalisis fenomena, peristiwa, atau aktivitas sosial yang terjadi di Dinas Komunikasi dan Informatika Kabupaten Nias Utara. Hasil dari penelitian ini yaitu: Dinas Komunikasi dan Informatika Kabupaten Nias Utara telah melaksanakan pengoperasian sistem Aplikasi E-Arsipdalam memaksimalkan manajemen operasi pelayanan surat masuk dan surat keluar yang lebih efektif dan efesien dan untuk menghindari kerusakan surat yang bersifat penting. Kata kunci: Pengoperasian Sistem Aplikasi E-Arsip Dalam Memaksimalkan Manajemen Operasi Pelayanan Surat masuk dan Surat Keluar

Importance Understanding Literacy Finance in Building Sustainable MSMEs I Gusti Ayu Ratih Namasswar; M. Fais Luthfi Nuryadin; Maria Magdalena Bate’e; Anggie Sundari; Serniati Zebua
JURNAL AKUNTANSI FINANCEIAL STIE SULTAN AGUNG Vol 9, No 2 (2023)
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/financial.v9i2.542

Objective study This is for increase understanding literacy finance among SMEs to become attention important for development sustainable. Method study This with systematic literature review of four article relevant and appropriate formula problem. Results found exists eight antecedents and four mercy consequently from literacy finance for SMEs. Limitations article This is Still focused on one database only and general discussing MSMEs, so researcher recommend for researcher next in perfect article.Keywords: Literacy Finance, MSMEs and Finance

The Effect of Financial Literacy on Financial Behavior of Micro, Small and Medium Enterprises (SMEs) in Ulugawo District, Nias Regency Sambuani Zai; Perlindungan F. Hulu; Maria Magdalena Bate’e; Nanny A. Bu’ulolo
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.564

Low financial literacy has significant implications, including restricted access to financial institutions and mismanagement of money and wealth. A common consequence of low financial literacy is the limited access to financial services, often restricted to banks. This issue is particularly prevalent among Micro, Small, and Medium Enterprises (MSMEs), where poor financial literacy hinders both business growth and economic development. Many individuals lack the financial knowledge necessary to manage investments, pay bills on time, and maintain a budget, all of which are essential for sound financial management. In the case of MSME actors in Ulugawo sub-district, observations reveal that many do not have a clear understanding of financial management, nor do they maintain proper financial records. This lack of financial knowledge often leads to difficulties in organizing expenditures and managing finances. As a result, many MSMEs struggle to present their financial standing clearly, making them ineligible for capital credit access. The purpose of this study was to examine the impact of financial literacy on the financial behavior of MSME actors in Ulugawo, Nias. The research employed a quantitative descriptive approach, with data collected through questionnaires. The data analysis revealed that financial literacy accounts for 70% of the variation in financial behavior among MSMEs in Ulugawo, indicating that the remaining 30% is influenced by other factors not covered in this study. The t-test results for the financial literacy variable (X) showed a t-value of 2.191, with a significance level of 5%. The calculated r-value was greater than the critical r-value (r-calculated > r-estimated, 1.6759), confirming the significant influence of financial literacy on financial behavior.

Co-Authors Aferiaman Telaumbanua Anggie Sundari Dian Nikita Zebua Dimensi Daeli Elhan Gea Eliagus Telaumbanua EMANUEL ZEBUA Ester Halawa Feberia Zebua Heribertus Gulo Heseziduhu Lase I Gusti Ayu Ratih Namasswar Idarni Harefa Insaf Rizalt Putra Gulo Jeliswan Berkat Iman Jaya Gea Kelly Harefa Komiteriang Daeli Kristiani Zendrato Kurniawan Gea Kurniawan Sarototonafo Zai Lefi Yartini Mendrofa Lisan Cermin Hati Zebua M. Fais Luthfi Nuryadin Mart Peterson Daeli Martha Surya Dinata Mendrofa Nanny A. Bu’ulolo Odaligoziduhu Halawa Perlindungan F. Hulu Rahmaida Sophia Veronika Mendrofa RAHMIAH MENDROFA RINCE ASTUTI ZEGA Risma Nelly Zalukhu Robert Onahia Waruwu Sambuani Zai Serniati Zebua SYARIFA AINI Telaumbanua, Yakin Niat Yakin. N. Telaumbanua YUPITER MENDROFA Yuterli Zalukhu Yuterlin Zalukhu

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