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All Journal JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis FINANCIAL : JURNAL AKUNTANSI Majalah Ilmiah Warta Dharmawangsa JURNAL ILMIAH MAKSITEK JURNAL ILMIAH SIMANTEK Jurnal Ilmiah METADATA Economics and Digital Business Review Balance : Jurnal Akuntansi dan Manajemen Jurnal Hasil Pengabdian Masyarakat (JURIBMAS) Golden Ratio of Data in Summary International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) Communautaire: Journal of Community Service Journal of Management, Economic, and Accounting Mopolayio : Jurnal Pengabdian Ekonomi Journal of Innovative and Creativity Jurnal Ekonomi, Manajemen, Akuntansi KREATIF: Jurnal Pengabdian Masyarakat Nusantara
MARIA MAGDALENA BATE’E
UNIVERSITAS NIAS
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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FINANCIAL REPORT ANALYSIS TO ASSESS FINANCIAL PERFORMANCE AT THE NIAS RURAL DEVELOPMENT SAVINGS AND LOAN COOPERATIVE (KSP3) BOTOMBAWO BRANCH Rahmat Tuhan Halawa; Aferiaman Telaumbanua; Maria Magdalena Bate’e
Jurnal Ilmiah METADATA Vol. 8 No. 2 (2026): Edition May 2026
Publisher : LPPM YPITI

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Abstract

This research was conducted at the Nias Rural Development Savings and Loans Cooperative (KSP3) in the Botombawo District branch. In 2021-2022, the SHU of KSP3 Nias, Botombawo Branch experienced fluctuations. This could be caused by several factors such as high non-performing loans, changes in the number of deposits, the level of loans disbursed, and unexpected operational expenses. The objective of this study is to determine the financial performance of the Nias Rural Development Savings and Loans Cooperative (KSP3) Botombawo Branch from 2021-2023. The research method used is a quantitative descriptive method. Based on the liquidity ratio, the financial performance of the Nias Rural Development Savings and Loans Cooperative (KSP3) Botombawo Branch is in the fairly good category. This can be proven by the current ratio analysis which has an average value of 150% - 170%. 2. The financial performance of the Nias Rural Development Savings and Loans Cooperative (KSP3) Botombawo Branch, based on profitability ratios, shows quite good results, despite fluctuations. This is evident in the Net Profit Margin (NPM), which is in the very good category, reflecting the cooperative's efficiency in generating profits.
Integrating Physical and Non-Physical Work Environment to Enhance Employee Productivity: An Ergonomics and JD–R-Based Study at the Moro’o Sub-District Office, West Nias Yoel Tatema Hia; Odaligoziduhu Halawa; Maria Magdalena Bate'e
International Journal of Management, Entrepreneurship, Social Science and Humanities Vol. 9 No. 1 (2025): July - December Issue
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmesh.v9i2.3810

Abstract

The work environment plays an important role in determining employee productivity, especially in the public sector which is oriented towards community service. A conducive work environment—both physically and non-physically—can increase enthusiasm, concentration, and performance, while unsupportive conditions have the potential to reduce productivity and increase stress. This study aims to: (1) describe the working environment conditions at the Moro’o Subdistrict Office in West Nias Regency, (2) identify factors that affect employee productivity, and (3) analyse the relationship between the physical and non-physical working environment and employee productivity. The study used a descriptive qualitative approach with data collection techniques through observation, in-depth interviews, and documentation. The results showed that the physical work environment still faced several obstacles, particularly related to uneven lighting, suboptimal air quality and ventilation, cramped and disorderly room layout, and noise during busy service hours. In contrast, the non-physical work environment is relatively strong, characterised by supportive leader-subordinate relationships, open communication, and harmonious cooperation among colleagues. The interaction between physical limitations and non-physical strengths simultaneously affects the comfort, efficiency, and productivity of employees in providing services to the community
The Role of Education in Increasing the Success of Gold Investment in Gunungsitoli Calvin Andika Telaumbanua; Asilika Waruwu; Franky Kristian Mendrofa; Ellen Carolina Putri Daeli; Noriwati Lase; Irene Zega; Putri Amirah Hafidz Harefa; Azeti Harefa; Maria Magdalena Bate’e
Communautaire: Journal of Community Service Vol. 4 No. 1 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/communautaire.v4i1.818

Abstract

This research aims to explore the role of education in increasing the success of gold investment in central poin. Gold has historically been a reliable asset, particularly in developing countries like Indonesia, offering stability amidst economic volatility. However, despite its benefits, many local investors face challenges, such as fluctuating prices and the risk of fraud, which highlight the need for enhanced financial education. The study employs a mixed-methods approach, combining quantitative surveys and qualitative interviews to gather data from gold investors. The findings reveal that gold is considered a safe-haven investment amidst economic uncertainty, with educated investors more likely to view it as a means of portfolio diversification. Additionally, trust-building between local traders and investors is crucial for creating a stable investment environment. Furthermore, access to accurate and timely information significantly boosts investor confidence and decision-making. The study highlights the importance of investor education in mitigating risks and ensuring informed decision-making. Recommendations include increasing financial literacy programs and enhancing the accessibility of educational resources for local investors. This research contributes to the growing body of knowledge on gold investment and offers practical insights for both investors and local gold traders.
Sosialisasi BPBL dan Peningkatan Aksesbilitas Listrik: (Studi di Desa Fadoro Sitolu Hili Lahewa) Maria Magdalena Bate’e; Dian Purnama Sari Ndruru; Putri Yanti Telaumbanua; Kristianus Hia; Viktorianus Zamasi
KREATIF: Jurnal Pengabdian Masyarakat Nusantara Vol. 6 No. 2 (2026): Jurnal Pengabdian Masyarakat Nusantara
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/kreatif.v6i2.12285

Abstract

This study aims to analyze the effectiveness of the socialization of the New Electricity Installation Assistance Program (BPBL) in increasing public understanding and encouraging electricity access for poor households in Fadoro Sitolu Hili Village, Lahewa District. The BPBL program is a government policy that provides free electricity installation assistance for underprivileged communities who have not yet enjoyed independent electricity connections. This study used a descriptive-qualitative approach with observation, documentation, and brief interviews with village officials and target residents. The results of the discussion indicate that the BPBL socialization was able to increase public knowledge regarding the program's objectives, recipient criteria, benefits, required documents, and registration procedures. In addition, the socialization conducted directly in the village strengthened community trust in the government program and clarified that the BPBL is free of charge. Thus, the BPBL socialization plays a significant role in accelerating equitable access to electricity and supporting improvements in the quality of life of rural communities.
SMART UMKM Desa: Edukasi dan Pendampingan Manajemen Usaha Berbasis Digital dengan Kearifan Lokal di Desa Madula Kecamatan Gunungsitoli Kota Gunungsitoli Heniwati Gulo; Yuterlin Zalukhu; Delipiter Lase; Maria Magdalena Bate'e; Idarni Harefa; Eliyunus Waruwu; Sukaaro Waruwu; Meiman Hidayat Waruwu; Aferiaman Telaumbanua; Otanius Laia; Robin Markus Putra Waruwu; Intan Permata Hati Hulu; Yamolala Zega; Odaligoziduhu Halawa; Palindungan Lahagu; Yupiter Mendrofa; Syah Abadi Mendrofa
Mopolayio : Jurnal Pengabdian Ekonomi Vol. 5 No. 3 (2026): Mopolayio : Jurnal Pengabdian Ekonomi Volume 5 Number 3 (July 2026) has been of
Publisher : Fakultas Ekonomi Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/mopolayio.v5i3.169

Abstract

Pengembangan Usaha Mikro, Kecil, dan Menengah (UMKM) di Desa Madula, Kecamatan Gunungsitoli, dilaksanakan sebagai program pengabdian masyarakat untuk meningkatkan keterampilan manajemen usaha dan literasi digital pelaku UMKM, sekaligus mempertahankan nilai kearifan lokal sebagai keunggulan kompetitif. Metode kegiatan mencakup lima tahapan: persiapan melalui survei dan pemetaan potensi UMKM; perencanaan solusi berupa penyusunan materi dan modul pelatihan; pelaksanaan pelatihan partisipatif meliputi manajemen usaha, keuangan, branding, dan pemasaran digital termasuk praktik pembuatan akun media sosial bisnis; evaluasi menggunakan pre-test dan post-test; serta tindak lanjut untuk keberlanjutan program. Hasil kegiatan menunjukkan peningkatan rata-rata skor pemahaman peserta dari 58,41 menjadi 77,05, atau naik 31,91%, dengan pergeseran kategori pemahaman dari mayoritas "Kurang" (59,09%) menjadi mayoritas "Baik" (72,73%), terutama pada aspek manajemen usaha, pencatatan keuangan, pemasaran digital, dan branding produk. Program ini juga menumbuhkan motivasi wirausaha, mendorong penguatan ekonomi kreatif, serta kemandirian dan keberlanjutan usaha UMKM di Desa Madula.
Mempersiapkan Generasi Muda yang Kreatif, Produktif, dan Berdaya Saing Melalui Edukasi Manajemen di SMA Negeri 1 Gido Maria Magdalena Bate'e; Fikir Aman Waruwu; Robertius Harefa; Adilman Gea; Lesman Gulo; Anugrah Trima Telaumbanua; Deny Pratiwi Harefa; Petra Sribunga Zalukhu; Filda Nurani Zebua; Vivid Meriah Hati Gulo; Berkat Setiawan Waruwu; Arlina Buulolo; Iman Putra Jaya Bawamenewi; Yuli Arman Halawa; Jovan Hendriawan Gea
JURIBMAS : Jurnal Hasil Pengabdian Masyarakat Vol 5 No 1 (2026): Juli 2026
Publisher : LKP KARYA PRIMA KURSUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62712/juribmas.v5i1.1357

Abstract

Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk membekali siswa SMA Negeri 1 Gido dengan pemahaman dasar tentang manajemen sebagai bekal membentuk generasi muda yang kreatif, produktif, dan berdaya saing. Kegiatan dilaksanakan melalui pendekatan edukatif-partisipatif yang terdiri atas pembukaan berupa sambutan, pemaparan materi, diskusi tanya jawab, dan sesi foto bersama. Materi yang diberikan mencakup pengenalan konsep manajemen, pentingnya manajemen sumber daya manusia, serta peran manajemen pemasaran dalam kehidupan sehari-hari dan pengembangan potensi diri. Sasaran kegiatan ini adalah siswa agar mampu memahami bahwa kemampuan mengelola diri, waktu, tugas, dan potensi merupakan bagian penting dari kesiapan menghadapi persaingan di masa depan. Metode pelaksanaan menggunakan penyampaian materi interaktif, diskusi dua arah, dan penguatan pemahaman melalui contoh-contoh praktis yang dekat dengan kehidupan pelajar. Hasil kegiatan menunjukkan adanya peningkatan antusiasme peserta, meningkatnya keberanian bertanya, serta munculnya pemahaman bahwa manajemen tidak hanya relevan dalam dunia usaha, tetapi juga penting bagi kehidupan akademik dan pengembangan karakter. Dengan demikian, edukasi manajemen menjadi langkah strategis dalam mempersiapkan generasi muda yang lebih terarah, mandiri, inovatif, dan siap bersaing di lingkungan pendidikan maupun masyarakat.
The Influence Of Financial Literacy On The Financial Behavior Of Members Of The Osseda Faolala Women's Consumer Cooperative In Nias Irwan Kristian Waruwu; Idarni Harefa; Maria Magdalena Bate'e; Tiarni Duha
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1448

Abstract

The Osseda Faolala Women's Consumer Cooperative in Nias has problems in the financial behavior of its members, which is based on poor financial literacy of its members. One of the problems in the cooperative's financial behavior is in the repayment of loan credit or bad credit. Problematic loans are burdens that have not been collected or loans that are not paid, doubtful because of difficulties in payment due to certain aspects. The purpose of this study is to determine whether there is an influence and how much influence the financial literacy of the Osseda Faolala Women's Consumer Cooperative in Nias has on the financial behavior of its members. The type of research used is quantitative research. Where the population is 110 people and the sampling technique used is probability sampling with simple random using the Slovin formula, a sample of 52 people was obtained. The results of this study indicate the influence of Financial Literacy (X) on the Financial Behavior (Y) of Members of the Osseda Faolala Women's Cooperative in Nias. This is indicated by the results of the data test on the influence of the variable Financial Literacy (X) on the Financial Behavior of Members of the Osseda Faolala Female Cooperative in Nias, obtained results with a mean T-count of 2.806> T-table 2.009 and a significant value of 0.001 <0.05, meaning the hypothesis is accepted, the Financial Literacy variable (X) partially has a positive and significant influence on the Financial Behavior (Y) of Members of the Osseda Faolala Female Cooperative in Nias. Based on the research that has been conducted, it is known that Financial Literacy (X) has an influence of 0.369 or if expressed as a percentage of 36.9% on the decision of guests to choose a hotel in the city of Gunungsitoli. While the other 63.1% is influenced by other factors.
Pengaruh Branding Terhadap Loyalitas Konsumen Pada Depot Air Minum Isi Ulang Merek Kadoz Water Cabang Kota Gunungsitoli Triwan Putra Zebua; Maria Magdalena Bate'e; Heniwati Gulo; Idarni Harefa
Economics and Digital Business Review Vol. 7 No. 1 (2025)
Publisher : STIE Amkop Makassar

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Abstract

Penelitian ini dilaksanakan pada depot air minum isi ulang merek Kadoz Water cabang Kota Gunungsitoli dengan tujuan untuk mengetahui pengaruh branding terhadap loyalitas konsumen dan seberapa besar pengaruh tersebut. Dalam penelitian ini menggunakan metode penelitian kuantatif dengan melakukan penyebaran angket kepada 30 responden yang merupakan konsumen Kadoz Water cabang Kota Gunungsitoli, yang selanjut di olah menggunakan program aplikasi IBM SPSS versi 26. Hasil penelitian menunjukan bahwa variabel Branding (X) berpengaruh positif dan signifikan terhadap variabel Loyalitas Konsumen (Y). Berdasarkan hasil uji regresi linier sederhana memperoleh persamaan Y = 40.430 + 0.535X, koefisien yang bernilai positif ini menandakan adanya pengaruh “positif” antara branding dan loyalitas konsumen. Pada hasil uji t memperoleh 3.373 (t-hitung) > 1.701 (t-tabel), dan nilai signifikansi (Sig.) sebesar 0.002 yang lebih kecil dari 0.05. Sementara pada hasil uji koefisien kolerasi memperoleh nilai korelasi 0.538, maka hubungan antara antar variabel berada pada kategori sedang. Sedangkan untuk hasil uji koefisien determinasi memperoleh nilai nilai R Square sebesar 0,389 atau variabel X memberikan kontribusi pengaruh sebesar 38,9% terhadap variabel Y. Dengan demikian, dalam penelitian ini Ho ditolak dan Ha diterima.
Pengaruh Persaingan Harga Terhadap Penjualan Barang Mainan di Toko Selyn Toys Berlianty Telaumbanua; Maria Magdalena Bate'e; Tiarni Duha; Sophia Molinda Kakisina
Economics and Digital Business Review Vol. 7 No. 1 (2025)
Publisher : STIE Amkop Makassar

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh persaingan harga terhadap penjualan barang mainan di Toko Selyn Toys serta seberapa besar pengaruhnya. Metode penelitian yang digunakan adalah kuantitatif dengan penyebaran kuesioner kepada 83 responden, dan data dianalisis menggunakan IBM SPSS versi 26. Hasil penelitian menunjukkan bahwa persaingan harga berpengaruh positif dan signifikan terhadap penjualan, dibuktikan dengan persamaan regresi Y = 25,174 + 0,343X. Nilai t-hitung (6,028) > t-tabel (1,989) dengan signifikansi 0,000 < 0,05, yang berarti Ha diterima dan Ho ditolak. Nilai koefisien determinasi (R²) sebesar 0,410 menunjukkan bahwa 41% variasi penjualan dipengaruhi oleh persaingan harga, sedangkan 59% dipengaruhi oleh faktor lain. Nilai koefisien korelasi (0,556) menunjukkan hubungan positif dengan kekuatan sedang. Dengan demikian, semakin kompetitif harga yang diterapkan, semakin tinggi penjualan Toko Selyn Toys.
Pengaruh Strategi Pemasaran Produk Terhadap Peningkatan Volume Penjualan Pada PT. Alamjaya Wirasentosa Kota Gunungsitoli Leader Mawarni Solidaritas Hia; Maria Magdalena Bate'e; Yamolala Zega; Heniwati Gulo
Balance : Jurnal Akuntansi dan Manajemen Vol. 4 No. 2 (2025): Agustus 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v4i2.978

Abstract

Penelitian ini bertujuan untuk mengetahui apakah ada pengaruh strategi penjualan produk terhadap peningkatan volume penjualan pada PT. Alamjaya Wirasentosa Kota Gunungsitoli. Sampel yang digunakan dalam penelitian ini adalah karyawan PT. Alamjaya Wirasentosa Kota Gunungsitoli yang berjumlah 32 orang. Metode yang digunakan pada penelitian ini adalah metode penelitian kuantitatif, dengan teknik analisis data yang digunakan adalah regresi linear sederhana. Hasil penelitian menunjukkan bahwa untuk hasil uji hipotesis diperoleh dari nilai t hitung sebesar 8,263 dengan nilai signifikan sebesar 0,000. Dimana batas signifikan sebesar 0,05 dengan nilai t tabel sebesar 1,697 yang menunjukkan bahwa nilai t hitung > t tabel (8,263 > 1,697) yang artinya Ha diterima dan Ho ditolak. Sehingga dapat disimpulkan bahwa ada pengaruh strategi pemasaran produk terhadap peningkatan volume penjualan pada PT. Alamjaya Wirasentosa Kota Gunungsitoli. Dan untuk uji koefisien determinasi R Square (R²) diperoleh nilai sebesar 0,695 yang kemudian dimasukkan ke dalam rumus KD = r² x 100% atau KD = 0,695 x 100% = 69,5%. Sehingga pengaruh strategi pemasaran produk terhadap peningkatan volume penjualan sebesar 69,5% dan selebihnya yang 30,5% dipengaruhi oleh variabel lain selain strategi pemasaran yang tidak dimasukkan dalam variabel penelitian ini.   This study aims to find out whether there is an influence of product sales strategy on increasing sales volume at PT. Alamjaya Wirasentosa, Gunungsitoli City. The sample used in this study consists of employees of PT. Alamjaya Wirasentosa, Gunungsitoli City totaling 32 people. The method used in this study is a quantitative research method, with a simple linear regression data analysis technique. The results of the study showed that the hypothesis test results were obtained from a calculated t-value of 8.263 with a significant value of 0.000. Where the significant limit is 0.05 with a table t-value of 1.697 which shows that the calculated t-value > t table (8.263 > 1.697) which means that Ha is accepted and Ho is rejected. So it can be concluded that there is an influence of product marketing strategy on increasing sales volume at PT. Alamjaya Wirasentosa, Gunungsitoli City. And for the test of the R Square (R²) determination coefficient, a value of 0.695 was obtained which was then entered into the formula KD = r² x 100% or KD = 0.695 x 100% = 69.5%. So that the influence of product marketing strategy on the increase in sales volume is 69.5% and the remaining 30.5% is influenced by other factors other than marketing strategies that were not included in the variables of this study.  
Co-Authors Adilman Gea Aferiaman Telaumbanua Anggie Sundari Anugrah Trima Telaumbanua Arlina Buulolo Asilika Waruwu Azeti Harefa Berkat Setiawan Waruwu Berlianty Telaumbanua Calvin Andika Telaumbanua Deny Pratiwi Harefa Dian Nikita Zebua Dian Purnama Sari Ndruru Dimensi Daeli Elhan Gea Eliagus Telaumbanua ELIYUNUS WARUWU Ellen Carolina Putri Daeli EMANUEL ZEBUA Ester Halawa Feberia Zebua Fikir Aman Waruwu Filda Nurani Zebua Franky Kristian Mendrofa Heniwati Gulo Heribertus Gulo Heseziduhu Lase I Gusti Ayu Ratih Namasswar Idarni Harefa Iman Putra Jaya Bawamenewi Ingin Berita Jaya Harefa Insaf Rizalt Putra Gulo Intan Permata Hati Hulu Irene Zega Irwan Kristian Waruwu Jeliswan Berkat Iman Jaya Gea Jerni Wati Ndruru Jovan Hendriawan Gea Kelly Harefa Komiteriang Daeli Kristiani Zendrato Kristianus Hia Kurnia Putra Bawamenewi Kurniawan Gea Kurniawan Sarototonafo Zai Laoli Chrisdianto Foarota Lase, Delipiter Leader Mawarni Solidaritas Hia Lefi Yartini Mendrofa Lesman Gulo Lisan Cermin Hati Zebua M. Fais Luthfi Nuryadin Mart Peterson Daeli Martha Surya Dinata Mendrofa Meiman Hidayat Waruwu Nanny A. Bu’ulolo Noriwati Lase Nov Elhan Gea Odaligoziduhu Halawa Otanius Laia Palindungan Lahagu Perlindungan F. Hulu Petra Sribunga Zalukhu Putri Amirah Hafidz Harefa Putri Yanti Telaumbanua Rahmaida Sophia Veronika Mendrofa Rahmat Tuhan Halawa RAHMIAH MENDROFA RINCE ASTUTI ZEGA Risma Nelly Zalukhu Robert Onahia Waruwu Robertius Harefa Robil Lase Robin Markus Putra Waruwu Sambuani Zai Serius Waruwu Serniati Zebua SOPHIA MOLINDA KAKISINA Syah Abadi Mendrofa SYARIFA AINI Telaumbanua, Yakin Niat Temasona Putra Waruwu Tiarni Duha Triwan Putra Zebua Viktorianus Zamasi Vivid Meriah Hati Gulo Wariyus Halawa Yakin. N. Telaumbanua Yamolala Zega Ya’aro Hulu Yoel Tatema Hia Yuli Arman Halawa Yulisman Laia YUPITER MENDROFA Yuterli Zalukhu Yuterlian Zalukhu Yuterlin Zalukhu