Garuda - Garba Rujukan Digital

EFEKTIVITAS PERPUTARAN MODAL KERJA DALAM MENINGKATKAN PROFITABILITAS USAHA DEPOT KARTU DATA DI MAPPEDECENG DAN SUKAMAJU Widiyanti, Wika; Goso, Goso; Kusdarianto, Indra
Jurnal Inovasi Bisnis Indonesia (JIBI) Vol. 2 No. 1 (2024): September
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jibi.v2i1.74

Abstrak Kebutuhan internet merupakan salah satu sektor yang penting dalam memenuhi kebutuhan manusia khususnya di masa pandemi membuat bisnis pulsa dan paket data internet semakin menjajikan. Penelitian ini bertujuan untuk mengetahui Analisis Perputaran Modal Kerja Terhadap Profitabilitas Usaha Depot Kartu Data Di Kecamatan Mappedeceng Dan Kecamatan Sukamaju. Penelitian ini menggunakan penelitian kuantitatif dengan tehnik pengumpulan melalui dokumentasi, observasi/pengamatan dan library research. Hasil dari penelitian ini dapat disimpulkan yaitu Perputaran Modal Kerja berpengaruh positif secara signifikan Terhadap Profitabilitas Pada Usaha Kartu Data Kecamatan Mappedeceng Dan Kecamatan Sukamaju. Kata Kunci: Perputaran Modal Kerja, Profitabilitas Abstract The need for the internet is one of the important sectors in fulfilling human needs, especially during the pandemic, making the internet credit and data package business even more promising. This study aims to determine the analysis of working capital turnover on the profitability of the data card depot business in Mappedeceng and Sukamaju subdistricts. This study uses quantitative techniques through documentation, observation and library research. The result of this study can be concluded that working capital turnover has a significant positive effect on the profitability of the data card business in Mappedeceng and Sukamaju sub-districts. Keywords: Working Capital Turnover, Profitability

The Influence of Financial Technology and Financial Literacy on Financial Behavior in the Digital Era Rasyid, Nugraha; Goso, Goso; Ikbal, Muhammad
International Journal of Management Science and Information Technology Vol. 5 No. 1 (2025): January - June 2025
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v5i1.3578

This study was conducted to determine the effect of financial technology and financial literacy on the financial behavior of the Sukamaju village community. Data were collected by distributing questionnaires through Google Form media using a Likert scale. was the population in this study millennial generation aged 19-39 years. The variables used in this study were financial technology and financial literacy as independent variables and financial behavior as the dependent variable. This study approach by uses a quantitative collecting primary data. The sampling technique used in this study used the Slovin formula with a 10% margin of error so. that the number of samples determined was 100 respondents The data analysis technique used was to test the quality of primary data with validity and reliability tests, followed by multiple linear regression analysis with determination coefficient tests, partial and simultaneous significant tests using SPSS 25. Based on financial behavior the financial literacy results, partially affects financial behavior, simultaneously financial technology and financial literacy affect the financial of the analysis and discussion using multiple linear regression, it was concluded that partially financial technology affects behavior of the millennial generation of Sukamaju village.

The Influence of Financial Technology and Financial Literacy on Financial Behavior in the Digital Era Rasyid, Nugraha; Goso, Goso; Ikbal, Muhammad
International Journal of Management Science and Information Technology Vol. 5 No. 1 (2025): January - June 2025
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v5i1.3578

This study was conducted to determine the effect of financial technology and financial literacy on the financial behavior of the Sukamaju village community. Data were collected by distributing questionnaires through Google Form media using a Likert scale. was the population in this study millennial generation aged 19-39 years. The variables used in this study were financial technology and financial literacy as independent variables and financial behavior as the dependent variable. This study approach by uses a quantitative collecting primary data. The sampling technique used in this study used the Slovin formula with a 10% margin of error so. that the number of samples determined was 100 respondents The data analysis technique used was to test the quality of primary data with validity and reliability tests, followed by multiple linear regression analysis with determination coefficient tests, partial and simultaneous significant tests using SPSS 25. Based on financial behavior the financial literacy results, partially affects financial behavior, simultaneously financial technology and financial literacy affect the financial of the analysis and discussion using multiple linear regression, it was concluded that partially financial technology affects behavior of the millennial generation of Sukamaju village.

STRENGTHENING HOUSEHOLD FINANCIAL RESILIENCE THROUGH FINANCIAL LITERACY IN PRE-PROSPEROUS WOMEN'S GROUPS IN MALATUNRUNG PALOPO CITY Goso, Goso
Jurnal Pengabdian kepada Masyarakat (J-PMas) Vol. 1 No. 2 (2022): Jurnal Pengabdian Kepada Masyarakat (J-PMas)
Publisher : Universitas Bina Taruna Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37606/j-pmas.v1i2.17

Women's financial skills in a household are critical, considering that some of the roles and responsibilities of household financial management usually rest with a woman. The implementation of this guidance to the community aims to strengthen household financial resilience through increasing financial literacy in the pre-prosperous women's group. This service implementation model uses two approaches to overcome partner problems. The first is by using the Heuristic model as a model for financial literacy education and the Enthrepreneurship Capacity Building (ECB) model for empowering partner household entrepreneurship. As a result of the implementation of this community partnership program, there was a fairly good increase in knowledge and understanding of individual finances and household financial management of pre-prosperous women's groups in Malatunrung village compared to what was previously very lacking. The empowerment and resilience of households economically also increase with the skills possessed in utilizing local resources and processing them into products that have high economic value. There was a 100% increase in the new skills of partners who were pre-prosperous women's groups. This community partnership program provides an opportunity to improve individual skills for women that are not acquired in formal education programs, thereby increasing household financial empowerment and resilience that contribute directly to household welfare.

Analisis Dampak Literasi Keuangan Dan Pengelolaan Keuangan Terhadap Kinerja Keuangan UMKM Hartina, Hartina; Goso, Goso; Palatte, Muh. Halim
SEIKO : Journal of Management & Business Vol 6, No 1 (2023): January - Juny
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v6i1.3874

Tujuan dari penelitian ini adalah untuk mengetahui dampak literasi keuangan dan pengelolaan keuangan terhadap kinerja keuangan UMKM. Penelitian ini menggunakan metode pendekatan kuantitatif, dengan menyebarkan kuesioner secara online. Populasi penelitian ini adalah seluruh pelaku UMKM yang ada di Kabupaten Luwu Utara khususnya Desa Harapan Kecamatan Mappedeceng. Teknik pengambilan sampel yang digunakan adalah random sampling, yaitu pengambilan sampel secara acak dari sampel yang telah ditentukan sebelumnya. Ukuran sampel ditentukan dengan mengalikan jumlah sampel pengukuran dengan sepuluh, menghasilkan ukuran sampel 110 sampel. Metode yang digunakan yaitu analisis regresi linier. Hasil temuan penelitian ini ditemukan informasi bahwa literasi keuangan dan pengelolaan keuangan berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM.

Digital Financial Literacy and Decision-Making: A Behavioural Management Model for Digital Natives Goso, Goso; Jasman, Jumawan; Husmaruddin, Husmaruddin; Alam, Syamsu
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 12 No 2 (2025): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v12i2.56161

This study develops an integrative behavioral framework to examine how digital financial literacy (DFL) influences financial decision-making among digital-native cohorts. The analysis extends existing behavioral models by incorporating risk tolerance and fintech trust as mechanisms shaping investment, consumption, and saving choices. Using a mixed-method design with 500 survey responses and 30 interviews, the study shows that DFL alters decision patterns in ways mediated by both confidence and caution. A paradox emerges: high trust in fintech often coexists with weak awareness of digital risks, underscoring tensions between literacy and reliance. The findings highlight that financial institutions and policymakers must balance accessibility and innovation with safeguards that foster prudent behavior in digitally native populations.

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