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All Journal JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI International Journal of Economics Development Research (IJEDR) Jurnal Ilmiah Metansi (Manajemen dan Akuntansi) Golden Ratio of Data in Summary J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi
Aferiaman Telaumbanua
Universitas Nias
Humanities Economics, Econometrics & Finance Social Sciences

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Analisis Efektivitas Pengelolaan Anggaran Belanja Operasional Kantor Pencarian Dan Pertolongan Kelas B Nias Evirniat Gulo; Aferiaman Telaumbanua; Sukaaro Waruwu; Maria Magdalena Batee; Sophia Molinda Kakisina
Jurnal Ilmiah METANSI ”Manajemen dan Akuntansi” Vol 7 No 1 (2024): Jurnal Ilmiah Metansi (Manajemen dan Akuntansi)
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Lamappapoleonro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57093/metansi.v7i1.272

Abstract

The aim of this research is to determine the level of effectiveness of operational budget management for the Class B Nias Search and Rescue Office. On this occasion the researcher conducted research by using data and dealing directly with information parties deemed necessary and related to the problem under study, namely as much as 5 people who are officials from the Nias Class B Search and Rescue Office. Based on research results, the effectiveness level in 2020 was 79.707%, and in 2021 it was 87.694%, still less effective. In this research, the factors that cause an ineffective level of shopping effectiveness are due to a lack of human resources both in terms of quantity and quality, and the Covid-19 pandemic.
Forecasting Analysis for Production Planning Bobi Krisman Berkat Gulo; Serniati Zebua; Aferiaman Telaumbanua
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 1 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i2.5542

Abstract

The furniture industry plays a pivotal role in the economy by contributing to employment and meeting household needs. Effective production planning and forecasting are crucial for furniture manufacturers to navigate market uncertainties and optimize resource utilization. This study focuses on "Forecasting Analysis and Production Planning for Furniture at UD. Bersaudara, Gido District, Nias Regency," aiming to address production challenges related to demand variability and raw material management. Using a quantitative descriptive approach, data was collected through observation, unstructured interviews, and documentation at UD. Bersaudara. Sales forecasting was conducted using the Moving Average method, demonstrating its effectiveness in estimating future furniture sales. The results highlight the importance of accurate forecasting in mitigating production inefficiencies and ensuring optimal inventory management. Key findings underscore the significance of integrating information systems, staying attuned to market trends, and providing training for personnel involved in forecasting and production planning. By adopting suitable forecasting methodologies and enhancing operational strategies, UD. Bersaudara can enhance production efficiency, minimize inventory risks, and bolster competitiveness in the furniture market.
FAKTOR-FAKTOR YANG MEMPENGARUHI LITERASI KEUANGAN MASYARAKAT DESA CARITAS SOGAWUNASI, KECAMATAN LOLOMATUA, KABUPATEN NIAS SELATAN Aferila Halawa; Idarni Harefa; Aferiaman Telaumbanua; Nanny Artatina Bu'ulolo
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 11 No. 4 (2023): JE. VOL. 11 No. 4
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/emba.v11i4.52135

Abstract

Penelitian ini bertujuan untuk menganalis pengaruh pendidikan terhadap literasi keuangan masyarakat, menganalis pengaruh pengalaman terhadap literasi keuangan masyarakat, menganalisis pengaruh informasi terhadap literasi keuangan masyarakat, serta menganalis pengaruh budaya terhadap literasi keuangan masyarakat. Penelitian ini dilakukan di wilayah khusus desa Caritas Sogawunasi kecamatan Lolomatua kabupaten Nias Selatan. Metode penelitian yang digunakan adalah metode penelitian kuantitatif. Berdasarkan hasil penelitian terhadap 80 responden diperoleh variabel pendidikan (X1) terbukti secara statistik berpengaruh terhadap variabel (Y) dimana nilai sig. < 0,05 atau 0,009 < 0,05, variabel pengalaman (X2) terbukti secara statistik berpengaruh terhadap variabel (Y) dimana nilai sig. < 0,05 atau 0,001 < 0,05, variabel Informasi (X3) terbukti secara statistik berpengaruh terhadap variabel (Y) dimana nilai sig. < 0,05 atau 0,001 < 0,05, variabel budaya (X4) terbukti secara statistik berpengaruh terhadap variabel (Y) dengan dimana nilai sig. < 0,05 atau 0,001 < 0,05. Perhitungan simultan uji F menunjukkan nilai signifikan untuk pengaruh X1, X2, X3, dan X4 secara signifikan terhadap variabel Y adalah 0.001 < 0.05 dan nilai F hitung 129.095 > 2.49, sehingga dapat disimpulkan bahwa pengujian ini diterima yang berarti terdapat pengaruh X1, X2, X3, dan X4 secara simultan terhadap Y.   Kata kunci: Literasi keuangan, Masyarakat, Pengaruh.
The Effect of Financial Literacy on the Financial Management of Students Ester Halawa; Maria Magdalena Bate’e; Nanny A. Bu’ulolo; Aferiaman Telaumbanua
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.569

Abstract

This study aims to determine the effect of financial literacy on financial management of SMA Negeri 1 Ulunoyo students and the magnitude of the effect of financial literacy on financial management of SMA Negeri 1 Ulunoyo students. The method used in this research is quantitative method. The data collection technique used a questionnaire (Likert Scale). Data analysis techniques used to strengthen questionnaire data are validity test, reliability test, correlation coefficient, linear regression, determinant coefficient, hypothesis testing, normality test, multicollinearity test and heteroscedasticity test. This study used 58 respondents with Simple Random Sampling data collection technique. The results of this study indicate that Financial Literacy affects the Financial Management of SMA Negeri 1 Ulunoyo, South Nias Regency by 54.8%, while 45.2% is influenced by factors not in this study. With increased financial literacy, students will increasingly manage their finances wisely, carefully and regularly by applying indicators of each financial literacy variable and financial management variable, so that students can prepare for future needs and finances.
Analysis of the Implementation of Risk Management to Minimize the Risk of Bad Credit at the Nias Rural Development Savings and Loans Cooperative (KSP3) Gunungsitoli Branch Seniati Daeli; Aferiaman Telaumbanua; Idarni Harefa; Eduar Baene
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.577

Abstract

This study aims to determine the application of risk management carried out by the Nias Rural Development Savings and Loan Cooperative (KSP3) Gunungsitoli Branch in minimizing the risk of bad loans. In this study, the type of research used is a descriptive type with a qualitative approach. Data collection techniques are used through observation, interviews and documentation. To obtain information, the researcher conducted direct interviews with 6 informants, namely branch heads, 2 employees and 3 members of the Nias Rural Development Savings and Loan Cooperative (KSP3) Gunungsitoli Branch. The data analysis techniques used in qualitative research include transcripts of interview results, data reduction, data presentation and conclusion drawn. The results of the study show that the implementation of risk management carried out by the Nias Rural Development Savings and Loan Cooperative (KSP3) Gunungsitoli Branch is carried out through a series of stages, namely risk identification, risk measurement, risk monitoring and risk control. The implementation of risk management to minimize the risk of bad loans has been effectively implemented by KSP3 Nias Gunungsitoli Branch as evidenced by the NPL (Non-Performing Loan) rate from 2020-2022 which is still below 5%.
Analysis of Transparency and Accountability of the Health Operational Assistance (BOK) Budget at Sirombu Inpatient Health Center Agus Ringanto Zai; Serniati Zebua; Sophia Molinda Kakisina; Aferiaman Telaumbanua
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.663

Abstract

Health Operational Assistance (HOA) is a fund that is used to ease the public burden on financing the health sector, especially service in community health centers, reduction in maternal mortality, infant mortality and malnutrition. Puskesmas Sirombu as a health service unit is used as a medical center for the welfare of the community, but in reality the Puskesmas Sirombu has not been optimal in realizing the budgeted funds. This study aims to determine the transparency and accountability of budget execution Bantuan Operasional Kesehatan (BOK) at Puskesmas Rawat Inap Sirombu in 2021. The research sample was taken using the method purposive sampling (specific goals or criteria). The data analysis technique used is triangulation method which combines in-depth interviews and document searches and triangulation of sources using different information to do cross check information from several sources, to improve the results of the data obtained when getting different data. Based on the research results, it can be concluded that the Puskesmas Sirombu has implemented its transparency and accountability well but has not been optimal in managing the budget for transportation assistance for Health Operational Officers (BOK), this can be seen from the fact that some of the budget was not realized.
The Effect of Price on Consumer Purchase Decisions Kurniawan Gea; Maria Magdalena Bate’e; Emanuel Zebua; Aferiaman Telaumbanua
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.671

Abstract

This study aims to determine whether financial inclusion has a positive effect on the sustainability of the SME sector in Lotu District, North Nias Regency, and to determine how much influence financial inclusion has on the sustainability of the SME sector, and to determine whether financial inclusion can overcome the challenges experienced by SME actors. The study was conducted in Lotu District, North Nias Regency. The research method used is a quantitative method with data collection through the distribution of questionnaires, documentation, and interviews, observations. The respondents in this study were 63 SME respondents. The results of this study indicate that the influence of financial inclusion has an influence on the sustainability of the SME sector by 20.4%. With increasing financial inclusion, it will further encourage SME actors to develop their businesses in the future.
Analisis Penerapan TQM Pada Percetakan Delaux Paper Kota Gunungsitoli Dalam Upaya Meningkatkan Kepuasan Pelanggan Soniaman Lase; Aferiaman Telaumbanua; Serniati Zebua; Martha Surya Dinata Mendrofa
J-CEKI : Jurnal Cendekia Ilmiah Vol. 3 No. 4: Juni 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v3i4.3816

Abstract

Penelitian ini menganalisis penerapan Total Quality Management (TQM) pada Percetakan Delaux Paper di Kota Gunungsitoli untuk meningkatkan kepuasan pelanggan. Fokus utama penelitian ini adalah kualitas produk dan pelayanan. Metode penelitian yang digunakan adalah kualitatif deskriptif, dengan pengumpulan data melalui wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa Delaux Paper telah berhasil meningkatkan kualitas produk melalui kontrol yang ketat, pemilihan bahan berkualitas, dan inovasi berkelanjutan, memenuhi ekspektasi pelanggan. Namun, ada beberapa kelemahan dalam kualitas pelayanan, terutama dalam keandalan dan ketanggapan terhadap permintaan pelanggan. Perusahaan perlu meningkatkan responsivitas dan empati dalam situasi komplain pelanggan. Penerapan TQM telah memberikan dampak positif terhadap kepuasan pelanggan, namun perbaikan lebih lanjut masih diperlukan dalam beberapa aspek pelayanan. Kesimpulan penelitian ini menegaskan pentingnya penerapan TQM dalam meningkatkan kualitas produk dan pelayanan untuk mempertahankan dan meningkatkan kepuasan pelanggan serta daya saing di pasar.
Analisis Persepsi Masyarakat Tentang Kemudahan Penggunaan Layanan Aplikasi BRImo di Desa Tumori Meri Kristiani Zebua; Aferiaman Telaumbanua; Maria Magdalena Batee; Perlindungan Faebuadodo Hulu
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 5: Juli 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i5.3788

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana persepsi masyarakat tentang kemudahan penggunaan  layanan aplikasi brimo di Desa Tumori. Jenis penelitian yang digunakan yaitu penelitian  kualitatif dan data yang digunakan adalah data primer dan data sekunder. Teknik pengumpulan data diantaranya observasi, wawancara, dan dokumentasi.Teknik analisis data pada penelitian ini mengikuti model interaktif yang terdiri dari reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa Persepsi masyarakat pengguna aplikasi BRImo di Desa Tumori tentang kemudahan penggunaan cenderung baik.  Masyarakat mampu untuk menggunakan fitur aplikasi BRImo seperti melakukan tranfer, tarik tunai tanpa kartu, cek saldo, pembayaran tagihan listrik, pembayaran PDAM, pembelian pulsa dsb. Dimana kegiatan tersebut menggunakan jaringan internet yang menghubungkan pengguna dengan pihak bank. Sedangkan persepsi masyarakat penggguna aplikasi BRImo terhadap manfaat penggunaan memberikan nilai yang baik bagi penggunanya.
Co-Authors Aferila Halawa Agus Ringanto Zai Bobi Krisman Berkat Gulo EMANUEL ZEBUA Ester Halawa Evirniat Gulo Idarni Harefa Kurniawan Gea Maria Magdalena Batee MARIA MAGDALENA BATE’E Martha Surya Dinata Mendrofa Meri Kristiani Zebua Nanny A. Bu’ulolo Nanny Artatina Bu'ulolo Perlindungan Faebuadodo Hulu Seniati Daeli Serniati Zebua Soniaman Lase SOPHIA MOLINDA KAKISINA