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All Journal JMM17: Jurnal Ilmu Ekonomi dan Manajemen 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 Journal Of Business, Finance, and Economics (JBFE) 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 E-Jurnal Ekonomi Pembangunan
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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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.
THE INFLUENCE OF MACROECONOMIC AND MICROECONOMIC VARIABLES ON STOCK PRICE FLUCTUATIONS Sasi, Maria Ketty; Ballo, Fransina W; Bolang3, Rikhard T Ch
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.v4i1.406

Abstract

This study aims to determine the effect of macroeconomic factors including the Exchange Rate and Money Supply, and microeconomic factors including Cash Dividend Rate, Stock Trading Volume, and Earning Per Share on stock price fluctuations in Financial sector companies in the banking sub-sector listed on the Indonesia Stock Exchange. This study uses a panel data model analysis with a time period used of 2019-2023. The population in this study were 21 banking sub-sector companies which are conventional banks and have made cash dividend payments during the study period. The research sample used was 6 banking sub-sector companies that had met the criteria set in this study. This study uses the Common Effect Models (CEM) panel data model. The results of this study indicate that the exchange rate and earning per share variables affect stock price fluctuations, while the money supply, cash dividend rate, and stock trading volume variables do not affect stock price fluctuations. Meanwhile, the exchange rate and earning per share variables affect stock price fluctuations.
The Influence of Credit Guarantees on the Growth of Micro, Small, and Medium Enterprises (MSMEs) in Kupang City Handu, Variani Setia; 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.v4i1.433

Abstract

Credit guarantee is a strategic effort to improve access to financing for Micro, Small, and Medium Enterprises (MSMEs) in Kupang City. This study aims to examine the influence of credit guarantees on the growth of MSMEs in Kupang City and analyze how the implementation of credit guarantees can strengthen business performance, increase sales, and profit for MSME actors. This research employs a quantitative approach with data collected through surveys and documentation from MSME actors who have received credit guarantees. The results indicate that credit guarantees have a positive and significant effect on the growth of MSMEs in Kupang City. Prior to obtaining guarantees, MSME actors faced obstacles in accessing capital, managing transactions, and developing their businesses, especially those just starting out. After receiving credit guarantees, MSME actors were able to overcome these barriers, enhance business capacity, and compete in the local market. The conclusions of this study affirm that credit guarantees are a crucial factor in driving MSME growth and supporting sustainable regional economic development.
Implementasi Sistem Pembayaran Non Tunai di Kota Betun Kabupaten Malaka Anastasia Bernaria Klau; Fransina W. Ballo; Novi Theresia Kiak
Jurnal Ekonomi Manajemen Akuntansi Vol. 31 No. 1 (2025): JURNAL EKONOMI MANAJEMEN AKUNTANSI
Publisher : sekolah Tinggi Ilmu Ekonomi Dharma Putra Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59725/ema.v31i1.260

Abstract

This research discusses the implementation of a non-cash payment system in Betun City, Malacca Regency. This study aims to find out how to implement the non-cash payment system, as well as to find out the supporting and inhibiting factors in the implementation of non-cash payments. This study uses a qualitative research approach with a qualitative descriptive research type. The data sources used in this study are primary data and secondary data. The data collection techniques in this study are observation, interviews and documentation. The results of this study show that the implementation of the non-cash payment system in Betun City, Malacca Regency has not been fully implemented by the people of Betun City, Malacca Regency using non-cash payments. Supporting factors in the implementation of the non-cash payment system in Betun City, Malacca Regency, are the cooperation between banks and the government and socialization to the community. The factors inhibiting the implementation of non-cash payments in the city of Betun, Malacca Regency are still low human resources and unstable internet networks.
Dampak Program Pemberdayaan Petani Terhadap Ketahanan Pangan Dan Ekonomi Masyarakat Desa Lookeu, Kabupaten Belu Oktovianus Emanuel Bisik; Fransina W. Ballo; Maria Indriyani H. Tiwu
Jurnal Ekonomi Manajemen Akuntansi Vol. 31 No. 1 (2025): JURNAL EKONOMI MANAJEMEN AKUNTANSI
Publisher : sekolah Tinggi Ilmu Ekonomi Dharma Putra Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59725/ema.v27i2.261

Abstract

This study aims to examine the farmer empowerment program for food security and community economy. This study uses a qualitative descriptive approach to examine the problems studied. The sampling technique in this study uses purposive sampling . Data collection techniques are carried out by means of observation, interviews and documentation studies. Data analysis techniques in this study are carried out by reducing data, presenting data and drawing conclusions. The results of this study illustrate that the farmer empowerment program for food security in Lookeu Village has been carried out well by the village government. The farmer empowerment program is in the form of food availability, food availability stability and accessibility. In this case, the Lookeu Village government has distributed subsidized fertilizers, superior seeds, pesticides, assistance, farm roads, reservoirs and irrigation channels. Meanwhile, the farmer empowerment program for the community economy, which is reviewed from the community's income and the number of poor people, has increased family economic income through agricultural productivity. Thus, the farmer empowerment program effectively helps the community in maintaining food security and provides an increase in the community's economy which has an impact on reducing the number of poverty.
Analisis Pengaruh Inflasi Dan Suku Bunga Terhadap Pertumbuhan Ekonomi di Kota Kupang Tahun 2013-2022 Daniel Naramesakh; Maria Indriyani Hewe Tiwu; Fransina W. Ballo
Dharma Ekonomi Vol. 32 No. 1 (2025): DHARMA EKONOMI
Publisher : sekolah Tinggi Ilmu Ekonomi Dharmaputra Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59725/de.v32i1.258

Abstract

The purpose of this study is to determine the magnitude of the influence of inflation and interest rates on economic growth in Kupang City. The research used is quantitative research analyzed using the help of the SPSS (statistical package for the social sciences) time series data software program. The data collection for this study is secondary data from the East Nusa Tenggara Central Statistics Agency and Bank Indonesia in 2013-2022 in the form of quarters (time series) in NTT Province. The results of the study show that the results of the regression analysis, inflation does not have a significant effect on economic growth in Kupang City during the 2013-2022 period. The results of the partial test (t-test) show that changes in interest rates play a role in determining the dynamics of economic growth, where lower interest rates tend to encourage increased investment and consumption, while higher interest rates have the potential to restrain economic activity because they increase borrowing costs. The results of the simultaneous test (F test), inflation and interest rates have a significance value of less than 0.05, which means that both variables simultaneously play a role in determining economic growth. The coefficient of determination (R²) value of 35.11% indicates that only a small portion of the variation in economic growth can be explained by inflation and interest rates. The remaining 64.89% is influenced by other factors outside the model, such as investment levels, government spending, unemployment rates, fiscal policies, and external factors such as global commodity prices and national economic conditions.
ANALISIS POTENSI EKONOMI WILAYAH PESISIR BERBASIS KONSEP BLUE ECONOMY UNTUK MENUJU SDGs DESA (STUDI KASUS KECAMATAN SEMAU KABUPATEN KUPANG) Fudikoa, Bensor Paulus; Fransina W. Ballo; Novi Theresia Kiak
Journal of Innovation Research and Knowledge Vol. 5 No. 2: Juli 2025
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan Menjelaskan bagaimana potensi desa wilayah pesisir dalam mewujudkan tujuan pembangunan berkelanjutan menggunakan konsep Blue economy di Kecamatan Semau. Penelitian ini menggunakan pendekatan Deskriptif Kualitatif, dengan melakukan wawancara terstruktur kepada informan Nelayan, Petani rumput laut, Pelaku wisata, Pejabat dinas kelautan dan perikanan, Pejabat badan perencanaan pembangunan daerah dan Pejabat Desa/Kelurahan. Hasil penelitian menunjukan bahwa desa-desa pesisir di wilayah ini memiliki potensi besar untuk berkontribusi dalam mencapai Tujuan Pembangunan Berkelanjutan (TPB) melalui penerapan konsep Ekonomi Biru. Kecamatan Semau memiliki potensi besar untuk mengembangkan ekonomi biru yang berkelanjutan. Potensi ini didukung oleh kekayaan sumber daya laut, keindahan alam, dan semangat masyarakat untuk mengembangkan wilayahnya. Namun, terdapat sejumlah tantangan yang harus diatasi, seperti perubahan iklim, kerusakan lingkungan, dan keterbatasan teknologi.
ANALISIS POTENSI PENERIMAAN RETRIBUSI PARKIR KOTA KUPANG Obaria, Yoakim Helio Dorus; Kiak, Novi Theresia; Tiwu, Maria I H; Ballo, Fransina W
GLORY Jurnal Ekonomi dan Ilmu Sosial Vol 6 No 4 (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.v6i4.23013

Abstract

Penelitian ini bertujuan untuk mengetahui potensi dan kontribusi retribusi parkir terhadap pendapata asli daerah kota kupang, Provinsi Nusa Tenggara Timur. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian lapangan (field research). Pendekatan penelitian yang digunakan dalam penelitian ini adalah pendekatan kualitatif. Jenis data yang digunakan dalam penelitian ini adalah data kualitatif dan data kuantitatif sedangkan sumber datanya adalah data primer dan data sekunder, serta Teknik pengumpulan data melalui Observasi, wawancara dan dokumentasi. Informan yang terdapat dalam penelitian ini sebanyak 7 orang diantaranya Kepala Bagian Retribusi dan 6 orang Tukang Parkir. Hasil penelitian ini menunjukan perhitungan dengan mengalikan jumlah kendaraan parkir dan besarnya tarif parkir maka dapat diketahui jumlah pendapatan retribusi parkir di RSU Prof Dr. W. Z. Johannes Kupang, Toko Glory, Pasar Inpres dan Subasuka dalam Sehari, Bulan dan Tahun. Untuk penerimaan retribusi parkir mengalami penurunan sehingga retribusi parkir hanya dapat memberikan sedikit kontribusi terhadap Pendapatan asli Daerah. Maka pemerintah harus membuat regulasi tentang pengelolaan retribusi parkir di Kota Kupang. Kata Kunci : Potensi, Kontribusi Retribusi Parkir, Pendapatan Asli Daerah
Co-Authors Adinugrah S. Ully Weo Aldarine Molidya Alisia Maria Mendes Alius Almung Anastasia Bernaria Klau 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 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 Jefriyantho Senmalai Katharina Martha Apriliani Wenggol Kharina Lidia Priskalina Oil Kristiani Nindi Lestari, Farida Ayu Lordna Wintari Hawu Maran, Petrus K A Mardiana Muslimin 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 Ivantri Dorwi Maria Lidwina Meo Maria P. L. Muga Marianus Adi Nahak Marselina Ratu Marthen R. Pelokila Marthen Robinson Pellokila 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 Yasinta Nuban Yerisonsianus Peron Yomestrin Kause Yulianto Dato Alin Yunita Novita Mamo Yustina Irmiyanti Mamir Tanar