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All Journal JMM17: Jurnal Ilmu Ekonomi dan Manajemen Journal of Economic, Bussines and Accounting (COSTING) RJABM (Research Journal of Accounting and Business Management) Journal of Management - Small and Medium Enterprises (SME's) Jurnal Akuntansi : Transparansi dan Akuntabilitas Behavioral Accounting Journal COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat EKONOMIKA45 Formosa Journal of Applied Sciences (FJAS) Journal of Innovation Research and Knowledge Jurnal Manajemen Bisnis dan Organisasi Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Eduvest - Journal of Universal Studies Jurnal Manajemen dan Ekonomi Kreatif GLORY Jurnal Ekonomi dan Ilmu Sosial Jurnal Ekonomi Manajemen Akuntansi Dharma Ekonomi Journal of Islamic Economics and Finance Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Moneter : Jurnal Ekonomi dan Keuangan Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Jurnal Ekonomi dan Pembangunan Indonesia Ekonomi Keuangan Syariah dan Akuntansi Pajak Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Kajian Ekonomi dan Akuntansi Terapan Pajak dan Manajemen Keuangan
Welhelmina Ballo , Fransina
Universitas Nusa Cendana, Kupang
Aerospace Engineering Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Social Sciences Other

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Implementasi Konsep Perikanan Tangkap dalam Pemberdayaan Masyarakat Pesisir Oesapa di Kota Kupang Patrikcs Lazarus Dedo Ngara; Fransina W. Ballo; Novi Theresia Kiak
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 2 No. 6 (2024): November: MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v2i6.962

Abstract

The aim of this research is to determine the government's efforts to economically empower the fishing community in the Oesapa fishing village, Kupang City and determine the impact of the assistance provided by the government on community welfare. This research uses a qualitative descriptive approach. Data collection used was interviews, observation and documentation. The results of the research show that the government's efforts to empower the fishing community's economy are by optimizing fishing facilities and infrastructure that are not yet fully distributed among fishermen, improving the quality of fishermen's human resources through socialization to help the community increase community awareness of ocean sustainability, and finally utilizing marine resources and fisheries which have a positive impact on the welfare of both fishermen.
Analisis Faktor-Faktor Yang Mempengaruhi Permintaan Kredit Cepat Aman (KCA) Pada Kantor Pegadaian Cabang Oesapa Devin Irvandy; Fransina W. Ballo; Novi Theresia Kiak
Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak Vol. 1 No. 4 (2024): Desember : Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak (JIEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jieap.v1i4.674

Abstract

Quick and Safe Credit (KCA) is one of the superior service product facilities of PT Pegadaian, which is a loan based on the pawn law with easy, safe, and fast service procedures. Quick and Safe Credit (KCA) is intended to help customers and communities with the problem of investment funds and funds for working capital.This study aims to analyze the factors that influence customer/community demand for PT Pegadaian’s Quick and Safe Credit (KCA) facility. This research is a quantitative descriptive study conducted at PT Pegadaian Oesapa Branch Kupang City. Data were collected using literature study methods, questionnaires, and observations. The results showed that the level of customer income, number of customer family dependents, and level of customer education had a significant effect on the demand for Quick and Safe Credit (KCA) at the Oesapa Branch Pegadaian office. This means that the higher the customer's income, the greater the number of dependents of the customer's family, and the higher the customer's education level, the greater the demand for Quick and Safe Credit (KCA).
Implementasi Konsep Perikanan Tangkap dalam Pemberdayaan Masyarakat Pesisir Oesapa di Kota Kupang Patrikcs Lazarus Dedo Ngara; Fransina W. Ballo; Novi Theresia Kiak
Pajak dan Manajemen Keuangan Vol. 1 No. 6 (2024): Desember : Pajak dan Manajemen Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/pajamkeu.v1i5.573

Abstract

The aim of this research is to determine the government's efforts to economically empower the fishing community in the Oesapa fishing village, Kupang City and determine the impact of the assistance provided by the government on community welfare. This research uses a qualitative descriptive approach. Data collection used was interviews, observation and documentation. The results of the research show that the government's efforts to empower the fishing community's economy are by optimizing fishing facilities and infrastructure that are not yet fully distributed among fishermen, improving the quality of fishermen's human resources through socialization to help the community increase community awareness of ocean sustainability, and finally utilizing marine resources and fisheries which have a positive impact on the welfare of both fishermen.
Analisis Perkembangan Pinjaman Online Di Era Revolusi Industri 4.O Pada Mahasiswa GEN Z Universitas Nusa Cendana Kupang Yerisonsianus Peron; Fransina W. Ballo; Novi Theresia Kiak
Jurnal Manajemen dan Ekonomi Kreatif Vol. 2 No. 2 (2024): April : Jurnal Manajemen dan Ekonomi Kreatif
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jumek.v2i2.349

Abstract

This research aims to analyze the influence of Lifestyle, Needs and Access to Financial Institutions on Online Loans among GEN-Z students at Nusa Cendana University, Kupang. This research uses quantitative methods with a quantitative descriptive approach. Determining the sample in this study used a purposive sampling method. The number of samples in this study was 100 samples and was determined based on the Slovin formula. The data collection technique used a questionnaire distributed to all students at Nusa Cendana University, Kupang. Data analysis used in this research is data quality test (validity test and reliability test), classic assumption test (normality test, multicollinearity test, heteroscedasticity test), multiple linear regression analysis, hypothesis test (t test and f test) and determination test (R2). The results of the research state that variable X1 has no effect on variable Y, variable X2 has an effect on variable Y and variable X3 has an effect on variable Y. Variables X1,
Analisis Perkembangan Pinjaman Online Di Era Revolusi Industri 4.O Pada Mahasiswa Gen Z Universitas Nusa Cendana Kupang Yerisonsianus Peron; Fransina W. Ballo; Novi Theresia Kiak
Jurnal Manajemen dan Ekonomi Kreatif Vol. 2 No. 2 (2024): April : Jurnal Manajemen dan Ekonomi Kreatif
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jumek.v2i2.351

Abstract

This research aims to analyze the influence of Lifestyle, Needs and Access to Financial Institutions on Online Loans among GEN-Z students at Nusa Cendana University, Kupang. This research uses quantitative methods with a quantitative descriptive approach. Determining the sample in this study used a purposive sampling method. The number of samples in this study was 100 samples and was determined based on the Slovin formula. The data collection technique used a questionnaire distributed to all students at Nusa Cendana University, Kupang. Data analysis used in this research is data quality test (validity test and reliability test), classic assumption test (normality test, multicollinearity test, heteroscedasticity test), multiple linear regression analysis, hypothesis test (t test and f test) and determination test (R2). The results of the research state that variable X1 has no effect on variable Y, variable X2 has an effect on variable Y and variable X3 has an effect on variable Y. Variables X1,
Pengaruh Loan To Value (LTV) dan Shock Variabel Makroekonomika terhadap Industri Properti di Indonesia Yustina Irmiyanti Mamir Tanar; Fransina W. Ballo; Cicilia A. Tungga
Jurnal Manajemen dan Ekonomi Kreatif Vol. 2 No. 2 (2024): April : Jurnal Manajemen dan Ekonomi Kreatif
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jumek.v2i2.353

Abstract

This research aims to determine the influence of Loan To Value (LTV), BI Rate and Exchange Rate on Residential Property Sales. This type of research is quantitative research with secondary data in the form of Loan To Value, BI Rate, Exchange Rates and Residential Property Sales data. The data analysis technique used is SPSS. .The results of this research show that LTV, BI Rate and Exchange Rate simultaneously influence Residential Property Sales with a significance of 0.004 < 0.05. Meanwhile, partially LTV has a positive effect on Residential Property Sales with a significant value of 0.897, BI Rate has a positive effect on Residential Property Sales with a significant value of 0.173 and the Exchange Rate has a positive effect on Residential Property Sales with a significant value of 0.001. With the results achieved, namely LTV, BI Rate and Exchange Rate, they play an important role in the sale of Residential Property. For related agencies, it is better to improve their performance to improve the quality of Residential Property Sales.
Peran Sektor Pariwisata Dalam Meningkatkan Pendapatan Asli Daerah Kabupaten Sumba Timur Virginio Y. L Ndjurumbaha; Maria I. H.Tiwu; Fransina W. Ballo
Jurnal Manajemen dan Ekonomi Kreatif Vol. 2 No. 3 (2024): Juli: Jurnal Manajemen dan Ekonomi Kreatif
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jumek.v2i3.366

Abstract

Tourism has become the largest industry and shows consistent growth from year to year. This study aims to determine the role of the tourism sector in increasing local revenue. This research uses a qualitative approach, with data collection methods conducting interviews, observation, documentation. The results of this study indicate that the tourism sector plays a very important role in increasing local revenue which in turn can improve the welfare of the community around tourist sites and economic growth so that regional income occurs. But there are also obstacles from the tourism sector in increasing regional income, namely the lack of destinations that are managed directly by the tourism office so that of the existing destinations only 2 are included in the original regional income.
ANALISIS PENGARUH TINGKAT INFLASI, PENDAPATAN PEGADAIAN DAN HARGA EMAS TERHADAP PENYALURAN KREDIT KREASI PT. PEGADAIAN CABANG KUPANG (PERIODE 2016- 2023) Djadi, Ekalia I A; Hawe Tiwu, Maria Indriyani; Ballo, Fransina W; Kiak, Novi Theresia
GLORY Jurnal Ekonomi dan Ilmu Sosial Vol 6 No 2 (2025): GLORY Jurnal Ekonomi dan Ilmu Sosial
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70581/glory.v6i2.20621

Abstract

Penelitian ini dilatarbelakangi oleh terbitnya Perpres Nomor 72 Tahun 2020 tentang perubahan postur dan rincian anggaran APBN 2020 yang sangat berpengaruh pada kebijakan fiskal dan suku bunga, yang kemudian akan mempengaruhi pada kredit. Penelitian ini bertujuan untuk menganalisis pengaruh tingkat inflasi, pendapatan pegadaian dan harga emas terhadap penyaluran kredit KREASI PT. Pegadaian Cabang Kupang (Periode 2016- 2023). Jenis penelitian yang digunakan adalah metode studi kasus dengan pendekatan kuantitatif. Penelitian ini menggunakan data sekunder berupa data tingkat inflasi, pendapatan pegadaian PT. Pegadaian Cabang Kupang, harga emas, dan penyaluran kredit KREASI pada periode triwulan I tahun 2016 sampai dengan triwulan IV tahun 2023. Teknik analisis data yang digunakan berupa analisis regresi linear berganda, uji asumsi klasik, dan uji hipotesis dengan bantuan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa secara simultan tingkat inflasi, pendapatan pegadaian dan harga emas berpengaruh positif terhadap penyaluran kredit KREASI. Tingkat inflasi dan perndapatan secara parsial berpengaruh negatif terhadap penyaluran kredit KREASI. Harga emas secara parsial berpengaruh positif terhadap penyaluran kredit KREASI. Kata Kunci : Tingkat Inflasi, Pendapatan, Harga Emas, KREASI
IMPLEMENTASI TRANSAKSI NON TUNAI QRIS DI DESA DETUSOKO BARAT KABUPATEN ENDE Hawu, Lordna Wintari; Ratu, Marselina; W. Ballo, Fransina
RJABM (Research Journal of Accounting and Business Management) Vol 6, No 2 (2022)
Publisher : LPPM University 17 Agustus 1945 Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31293/rjabm.v6i2.6655

Abstract

 Penelitian ini bertujuan untuk mengetahui bagaimana implementasi transaksi non tunai di Desa Detusoko Barat, serta mengetahui faktor pendukung dan penghambat dalam mengimplementasikan transaksi non tunai. Penelitian ini menggunakan jenis penelitian kualitatif dengan pendekatan penelitian deskriptif kualitatif. Pengumpulan data dilakukan melalui wawancara dengan informan tentang implementasi transaksi non tunai di Desa Detusoko Barat dan faktor pendukung dan penghambat dalam implementasi transaksi non tunai, pengumpulan data juga dilakukan melalui observasi dan dokumentasi. Hasil penelitian ini menunjukkan bahwa implementasi transaksi non tunai (QRIS) di Desa Detusoko Barat belum sepenuhnya masyarakat Desa Detusoko Barat menggunakan pembayaran nontunai. Faktor pendukung dalam implementasi transaksi non tunai (QRIS) di Desa Detusoko Barat yaitu, adanya kerja sama pihak bank NTT dan BUMDes Au Wula, lokasi yang mendukung, adanya dukungan pemerintah desa serta adanya sosialisasi dari pihak bank. Faktor penghambat dalam implementasi transaksi non tunai (QRIS) di Desa Detusoko Barat yaitu, minimnya pemahaman masyarakat, jaringan internet yang tidak stabil, keterbatasan penggunaan smartphone, kurangnya loyalitas masyarakat, serta sumber daya manusia.Kata kunci: Transaksi Non Tunai, QRIS, Desa Wisata.
ANALYSIS OF THE INFLUENCE OF RUPIAH EXCHANGE RATE, BI INTEREST RATE, AND FOREIGN EXCHANGE RESERVES ON INFLATION IN INDONESIA DURING THE PERIOD 2002–2023 Uskono, Frederina Jubika; Ballo, Fransina W; Tomasowa, Olivia L.E
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: 10.58290/jmbo.v4i1.398

Abstract

Inflation has long been an economic issue in Indonesia, where this phenomenon is significantly influenced by several factors such as the Rupiah exchange rate, the BI interest rate, and foreign exchange reserves. When maintained at an appropriate level, inflation can stimulate economic growth in a positive direction. The purpose of this study is to analyze the partial and simultaneous relationship between the Rupiah exchange rate, the BI interest rate, and foreign exchange reserves on the inflation rate in Indonesia during the period 2002–2023. This research employs a mixed-method approach, using the Error Correction Model (ECM) for analysis. The data used consist of secondary data in the form of time series, while the primary data were obtained directly from informants through interviews. The partial results indicate that the exchange rate has a significant effect on inflation in both the short and long term; the BI interest rate also significantly affects inflation in both the short and long term. Meanwhile, foreign exchange reserves have a significant effect on inflation in the short term but do not have a significant effect in the long term. Simultaneously, in both the short and long term, the Rupiah exchange rate, BI interest rate, and foreign exchange reserves have a significant effect on inflation in Indonesia.
Co-Authors Adinugrah S. Ully Weo Aldarine Molidya Ali, Jahra Supiati Sabrina Alisia Maria Mendes Alius Almung Anastasia Bernaria Klau Arthana, I Komang Baharudin, Govinda Abdul Gangga Banamtuan, Alexander Kiik Bernadinus Yohanes Loda Cicilia A. Tungga Daniel Naramesakh Desembry C. Nope Desriarisandi Natalia Gelu Devin Irvandy Djadi, Ekalia I A Elisabeth Patrisia Anjelika Deru Erwindus H Nurak Fudikoa, Bensor Paulus Handu, Variani Setia Hawe Tiwu, Maria Indriyani Hawu, Lordna Wintari Hilario Taka Keor Imelda Bengan Wua Jeanet Putri Shintya Nubatonis Katharina Martha Apriliani Wenggol Kharina Lidia Priskalina Oil Lestari, Farida Ayu Lordna Wintari Hawu Maran, Petrus K A Mardiana Muslimin Maria Antonia Radji Sili Maria Antonia RadjiSili Maria I. H Tiwu Maria I. H. Tiwu Maria I. H.Tiwu Maria I. Hewe Tiwu Maria Indriani Hewe Tiwu Maria Indriyani H. Tiwu Maria Indriyani Hewe Tiwu Maria Indriyani Hewe Tiwu Maria Indryani Hewe Tiwu Maria Lidwina Meo Maria P. L. Muga Marianus Adi Nahak Marselina Ratu Marthen R. Pelokila Molidya, Aldarine Muhammad A. H. Mushlih Muhammad Liwaulhamdi Novi Theresia Kiak Obaria, Yoakim Helio Dorus Oktovianus Emanuel Bisik Olivia L. E. Tomasowa Patrikcs Lazarus Dedo Ngara Paulina Digta Isu Ratu, Marselina Redempta Sewai B. K. Sulaona Reya Lelangona, Maria Salvi Rikhard T. Ch. Bolang Riski Sofyani, Moetia Sallau, Sally Sangera, Dendi Umbu Santos, Delvi Dos Sarlin P. Nawa Pau Sasi, Maria Ketty Selviana Ena siwan edi amanta Perangin angin Taksian, Risma Rosina Tameno, Nikson Tanggu, Juanli Ferdinand Tisera, Yudelvi Lorini Tiwu, Maria I H Tiwu, Maria Indriyani Hewe Tomasowa, Olivia L.E Tungga, Cicilia A Uskono, Frederina Jubika Virginio Y. L Ndjurumbaha Windy Tamara Yerisonsianus Peron Yomestrin Kause Yulianto Dato Alin Yunita Novita Mamo Yustina Irmiyanti Mamir Tanar