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The Effect of Service Quality and Financial Literacy on Customers' Interest in Investing in Gold : (Case Study at PT Pegadaian (Persero) Kotamobagu Branch) Yasin, Fidya Dwi Fransiskan S.; Tuli, Hartati; Hulopi, Titi Umi Kalsum
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.855

Abstract

This study aims to analyze the influence of service quality and financial literacy on customer interest in investing in gold at PT Pegadaian (Persero), Kotamobagu Branch. A quantitative research method was used, with primary data collected through a questionnaire distributed to PT Pegadaian (Persero) customers. The sample consisted of 106 respondents. Data analysis used multiple linear regression with the help of SPSS 26. The results of the study show that the quality of service has a positive and significant effect on customers' interest in investing in gold. Financial literacy also has a positive and significant effect on customers' interest in investing in gold. Together, the quality of service and financial literacy have a significant effect on the interest of customers to invest in gold at PT Pegadaian (Persero) Kotamobagu Branch. The R-square value obtained was 0.687 or 68.7%, this shows a strong relationship between independent variables and dependent variables in this study, while the remaining 37.3% were influenced by other factors.
Redesain e-Persediaan Berbasis Sistem Informasi Akuntansi pada Pemerintah Provinsi Gorontalo Suci Rachmawati Yusuf; Mahdalena Mahdalena; Hartati Tuli
Al-Buhuts Vol. 20 No. 1 (2024): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v20i1.4768

Abstract

This study aimed to redesign the accounting information system-based E-Inventory at the Provincial Government of Gorontalo. This study adopted a qualitative approach using descriptive methods. The study involved three informants. The data were collected through observation, interviews, and documentation. The data analysis techniques employed in this study include data reduction, data display, and conclusion/verification. The findings of this study indicated that the E-Inventory system can be represented through Unified Modeling Language (UML) diagrams and flowcharts as the redesign model. The PIECES analysis wa utilized in the redesign process to analyze the weaknesses of the E-Inventory system. Based on this analysis, system failures were identified in the E-Inventory, such as duplicate entries during transaction input and the need for initial inventory balance entry for the subsequent period. Therefore, these recording and input errors can be minimized by redesigning the E-Inventory system. This redesign is undertaken to enchance the efficiency of the E-Inventory system in accordance with the inventory management needs of consumable goods at the Provincial Government of Gorontalo
MANAGEMENT OF VILLAGE REVENUE AND EXPENDITURE BUDGET IN MARISA DISTRICT Sri Wahyuni; Hartati Tuli; Lukman Pakaya
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 3 (2025): Vol. 2 No. 3 Edisi Juli 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i3.833

Abstract

The purpose of this research is to analyze the management of the Village Revenue and Expenditure Budget (APBDes) in Marisa District. This study limits its focus to the aspects of planning, allocation, implementation, supervision and accountability, and reporting of APBDes. This research employs a quantitative method with a descriptive approach. The research population comprises all village officials in Marisa District, totaling 110 individuals, and the sample was drawn using a saturated sampling (census) technique. Data was collected through questionnaires completed by the Village Government. The research findings indicate that the overall management of APBDes in Marisa District is generally very good. APBDes planning is assessed as very good, characterized by transparency in village deliberations, effectiveness in addressing community problems and needs, and alignment of the Village Medium-Term Development Plan (RPJMDes) with community aspirations. Sources
Pengembangan Sistem Akuntansi Berbasis SAK EMKM pada Pokdakan Nila Jaya Rahmat Agrianto Mohamad; Andi Yusniar Mendo; Nurharyati Panigoro; Hartati Tuli; Yustina Hiola
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 6 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/p7dy9514

Abstract

Penelitian ini bertujuan untuk menganalisis kondisi pencatatan transaksi, pengelolaan persediaan, dan pelaporan keuangan pada POKDAKAN Nila Jaya serta mengembangkan sistem akuntansi berbasis Standar Akuntansi Keuangan Entitas Mikro, Kecil, dan Menengah (SAK EMKM) menggunakan Microsoft Excel. Penelitian ini dilatarbelakangi oleh kondisi pencatatan keuangan kelompok yang masih dilakukan secara manual, belum terstruktur, dan belum sesuai dengan standar akuntansi yang berlaku. Kondisi tersebut menyebabkan kelompok mengalami kesulitan dalam mengetahui posisi keuangan, menghitung biaya produksi, serta menyusun laporan keuangan secara periodik sebagai dasar pengambilan keputusan usaha. Penelitian ini menggunakan metode Research and Development (R&D) dengan pendekatan kualitatif dan model pengembangan ADDIE yang meliputi tahap analysis, design, development, implementation, dan evaluation. Teknik pengumpulan data dilakukan melalui observasi, wawancara, dan dokumentasi. Sistem dikembangkan menggunakan Microsoft Excel dengan memanfaatkan formula dan fitur otomatisasi untuk mendukung proses pencatatan transaksi, pengelolaan persediaan, pengolahan data akuntansi, hingga penyusunan laporan keuangan sesuai SAK EMKM. Hasil penelitian menunjukkan bahwa sistem pencatatan yang diterapkan sebelumnya masih sederhana dan belum terintegrasi. Sistem akuntansi yang dikembangkan mampu mengintegrasikan pencatatan transaksi, pengelolaan persediaan, aktivitas produksi, serta penyusunan laporan laba rugi, laporan posisi keuangan, dan catatan atas laporan keuangan dalam satu sistem yang saling terhubung. Hasil validasi menunjukkan bahwa sistem dinilai layak digunakan dengan beberapa perbaikan. Selain itu, sistem mampu memproses data secara lebih cepat dan menghasilkan informasi yang lebih terstruktur. Namun demikian, hasil penelitian ini masih terbatas pada tahap implementasi dan evaluasi awal, sehingga diperlukan pengujian lebih lanjut dalam jangka waktu yang lebih panjang untuk menilai efektivitas sistem secara komprehensif.
Co-Authors Adawiyah R. M. Bano Adnan, Dwi Restu Amanda Ali, Nurlyvia H. Alipok, Asitriani Amir Lukum, Amir Ananda Arsyad, Nur Dhea Andi Riska Yunianti Andi Yusniar Mendo Anggelina Tambuwun Aristo Kurniawan Hulopi Ayu R Wuryandini Ayu Rakhma Wuryandini Bano, Adawiyah R. M. Bibitan, Ravika Apriliany Danial, Hendra Pratama Dewi Indriyani Hamin Dewi U. Hadji Dinda Fadhila Rahim Dita Aulia Buata Dumbi, Nurfahtia Esmelanda Diens Fatrina R Mooduto Febriani Fitriana Atima Fityan Halid Harun Blongkod Harun, Mutiya Hasni Musa Hiola, Yustina Hulungo, Sri Noviyanti Ibrahim, Sri Devianti Ikhlas Ul Aqmal Indra Wijaya Hamzah Isnawati Nursam Kalapati, Yulgia Kartin Usman Limbertus, Novita Anjelina Mahdalaena Mahdalena Mahdalena Mahmud, Mulyani Matalauni, Yelis G mattoasi mattoasi Mattoasi, Mattoasi Mayang, Desy Purnama T. Melati Putriani Idris Merlinda Musa Midu, Widyawati Moh Adrifat Suila Moha, Sri Wiwin A. Mohamad Yuda Olatapa Mohammad Yasin Lihu Monoarfa, Amelia Ramadhani Muliyani Mahmud Musa, Hasni Muzdalifah Muzdalifah Nilawaty Yusuf Niswatin Nurharyati Panigoro Olivia Adam Pakaya , Lukman Pakaya, Lukman Pani, Eka Ria Nazmi Po'oe, Bambang Supriyanto Rahmat Agrianto Mohamad Rahmayana Rahmayana Revana Gobel Rio Monoarfa Ririn Anggraeni Rizaldy Saputra Ahmad Ronal S.Badu Sahmin Noholo Saleh, Nurul Atma Sholeha, Khusniatus Siti Fatmawati Djafar Siti Pratiwi Husain Sitti Hardiyanti Gobel Gobel Sri Devianti Ibrahim Sri Wahyuni Sri Wahyuni Abdullah Sri Wahyuni Mustapa Suci Rachmawati Yusuf Sulistian Mangopa Surya Handrisusanto Ahmad Susanty Ismail Syafaa, Amar Bayu Syarwani Canon Thalib, Anisya Wulandari Tiara Abdurahman Titi Umi Kalsum Hulopi Tri Handayani Amaliah Usman Usman Usman Victorson Taruh Victorson Taruh Wulandari Abdullah Yasin, Fidya Dwi Fransiskan S. Yuliana Mangopa Yusuf, Sriwahyuning Zulkifli Bokiu