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ANALISIS TINGKAT LITERASI KEUANGAN PENGELOLAAN KEUANGAN PENERIMA BANTUAN SOSIAL PKH DI DESA INOMATA Fitra Kulati; Melizubaida Mahmud; Yulianti Toralawe; Radia Hafid; Risca Marsanti Halid
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.v18i2.37615

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh tingkat literasi keuangan terhadap pengelolaan keuangan penerima bantuan sosial Program Keluarga Harapan (PKH) di Desa Inomata, Kecamatan Bone Raya, Kabupaten Bone Bolango. Penelitian ini menggunakan pendekatan kuantitatif berbasis survei eksplanatori. Data diperoleh dengan menyebarkan kuesioner kepada 60 responden yang merupakan penerima manfaat PKH. Teknik analisis data menggunakan regresi linier sederhana. Hasil penelitian menunjukkan bahwa literasi keuangan memiliki pengaruh positif dan signifikan terhadap pengelolaan keuangan rumah tangga penerima manfaat PKH. Semakin baik pemahaman responden mengenai perencanaan anggaran, pencatatan keuangan, kebiasaan menabung, dan penggunaan produk keuangan, semakin baik pula kemampuan mereka dalam mengelola bantuan sosial yang diterima. Koefisien determinasi (R²) sebesar 25,2% menunjukkan bahwa literasi keuangan berkontribusi sebesar 25,2% terhadap pengelolaan keuangan, sedangkan 74,8% dipengaruhi oleh faktor-faktor di luar penelitian ini. Temuan ini menegaskan pentingnya meningkatkan literasi keuangan melalui pendidikan dan pendampingan agar bantuan sosial tidak hanya bersifat konsumtif, tetapi juga mampu mendorong kemandirian dan kesejahteraan keluarga secara berkelanjutan.
Active Learning through PBL: A Quantitative Study in the Context of Merdeka Belajar. Nurlindawati Amrain; Roy Hasiru; Agil Bahsoan; Meyko Panigoro; Yulianti Toralawe
Jurnal Pendidikan Ekonomi dan Bisnis Vol. 3 No. 1 (2026): Maret 2026
Publisher : Yayasan Pendidikan Sudirman Mandiri

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Abstract

This study examines the impact of Problem-Based Learning (PBL) on Social Studies learning outcomes at SMP Negeri 1 Atinggola in North Gorontalo, Indonesia. Conducted over four months with 65 Grade VIII students, the research used a quantitative descriptive approach. Data were collected through questionnaires, observations, interviews, and documentation, and analyzed with SPSS v20.0. Results show a positive and significant effect of PBL on academic achievement, with a t-count of 5.212 and R² of 0.301. The equation (Ŷ = 53.445 + 0.531X) indicates each increase in PBL implementation improved scores by 0.531 points. Students displayed greater motivation, participation, and engagement. Observations and interviews supported these findings, revealing enhanced autonomy and relevance of learning. This study confirms that PBL is an effective strategy for Social Studies, aligning with national curriculum goals like Merdeka Belajar and Profil Pelajar Pancasila. It offers practical insights for improving student-centered learning and contributes to research on active learning strategies.
INSTRUCTIONAL COMPETENCE AS A PREDICTOR OF STUDENT LEARNING ENGAGEMENT Yuliana Ginggada; Melizubaida Mahmud; Sudirman Sudirman; Meyko Panigoro; Yulianti Toralawe
Jurnal Pendidikan Ekonomi dan Bisnis Vol. 3 No. 1 (2026): Maret 2026
Publisher : Yayasan Pendidikan Sudirman Mandiri

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Abstract

This study investigates the relationship between teacher professional competence and student learning activity among Grade XI students at SMA Negeri 1 Bonepantai, Indonesia. While policy frameworks emphasize competence-based instruction, challenges remain in translating this into active student engagement, particularly in under-resourced contexts. Employing a quantitative descriptive–correlational design, the study gathered data from 64 respondents using validated and reliable Likert-scale instruments. Instrument testing confirmed high validity (r > 0.412) and reliability (α = 0.923 for competence and 0.922 for activity). Descriptive findings revealed high average scores for both teacher competence (4.34) and student learning activity (4.45). Regression analysis produced the model Ŷ = 24.291 + 0.730X, with a significant positive effect (t = 6.267 > t-table = 1.669; p < 0.05) and R² = 0.388, indicating that competence explains 38.8% of the variation in student activity. Strongest indicators included creative material development and student group discussions, while the lowest were contextualization and opinion expression. These findings confirm theoretical assumptions that professional competence enhances learner participation and underscore the need for CPD focused on culturally responsive and dialogic teaching. The study contributes to empirical knowledge on instructional quality in Indonesian secondary education and invites further research using multivariate approaches to examine the remaining variance in student engagement.
Pengaruh Program Bantuan Pangan Non Tunai (BPNT) terhadap Kesejahteraan Keluarga Miskin Putri Regina C. Da’ada; Roy Hasiru; Rierind Koniyo; Melizubaida Mahmud; Yulianti Toralawe
Research Review: Jurnal Ilmiah Multidisiplin Vol. 5 No. 1 (2026): Research Review: Jurnal Ilmiah Multidisiplin (Februari 2026 - Juli 2026)
Publisher : Transbahasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54923/researchreview.v5i1.336

Abstract

This study is motivated by the disparity in welfare outcomes and the level of dependency among beneficiaries, where most Beneficiary Families (KPM) of the Non-Cash Food Assistance (BPNT) program in Biontong Village still experience relatively low income levels and high dependency on the program. This indicates that BPNT has not yet provided a significant and sustainable impact on improving the welfare and independence of poor households. The objective of this study is to analyze the effect of the BPNT program on the welfare of poor families in Biontong Village, Bolangitang Timur District, North Bolaang Mongondow Regency. This research employs a quantitative approach using questionnaires as the primary data collection method. The sample consists of 72 respondents who are BPNT beneficiaries, and the data are analyzed using simple linear regression. The results reveal a positive and significant effect of BPNT on the welfare of poor families. This is evidenced by a significance value of 0.000 < 0.05 and a t-value of 4.614 exceeding the t-table value of 1.667, indicating that the alternative hypothesis is accepted. These findings suggest that BPNT contributes to welfare improvement, although it has not fully reduced long-term dependency.