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All Journal Journal Of Business, Finance, and Economics (JBFE) COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Formosa Journal of Sustainable Research (FJSR) Jurnal Ekonomi, Bisnis dan Manajemen Jurnal Manajemen, Bisnis dan Kewirausahaan
Fransina W. Ballo
Universitas Nusa Cendana
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Implementation of the Swadaya Housing Stimulant Assistance Program for Low-Income Communities in Rana Masak Village, Borong District Kostarius Baldor; Fransina W. Ballo; Cicilia A. Tungga
Formosa Journal of Sustainable Research Vol. 2 No. 10 (2023): October, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v2i10.6386

Abstract

This thesis is entitled implementation of a self-help housing stimulant assistance program for low-income communities in Rana Masak village, Borong sub-district. Housing assistance is a policy in overcoming the problem of poverty, especially in resolving the problem of providing housing for people who have houses that are uninhabitable. As a responsibility of the government, regulations have been issued relating to the fulfillment of housing, namely Swadaya housing stimulant assistance (BSPS). This research uses qualitative methods with qualitative descriptive analysis. As with qualitative methods, researchers will analyze using field research, namely researchers conducting interviews, observations and documentation related to the implementation of this housing assistance program. This research was carried out in order to determine whether the implementation of this housing program was going well or not. This research was carried out in Rana Masak village, Borong sub-district because one of the villages that received housing assistance was Rana Masak village. Based on four aspects in determining the success of implementing a policy, namely communication, resources, disposition and bureaucratic structure, there are still deficiencies and obstacles faced, in this case the insufficient housing assistance budget. This is indicated by the construction of houses in Rana Masak Village where there are still people who are categorized as uninhabitable houses and there is a lack of budget in the construction process as a result of which the community does not receive aid evenly
Pengaruh Kepercayaan dan Kemudahan terhadap Penggunaan Sistem Kredit Online pada Aplikasi Kredivo di Masa Pandemi Covid-19 di Kota Kupang Moetia Riski Sofyani; Fransina W. Ballo; Novi Theresia Kiak
COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat Vol. 3 No. 09 (2024): COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/comserva.v3i09.1158

Abstract

Penelitian ini bertujuan untuk menjelaskan pengaruh kepercayaan, kemudahan dann sistem kredit terhadap pengguna kredivo di Kota Kupang. Penelitian ini merupakan penelitian kuantitatif dengan data primer yaitu melalui penyebaran kuesioner pada pengguna kredivo di Kota Kupang. Teknik analisis data yang digunakan adalah path analysis (analisis jalur) menggunakan softwere SPSS versi 29. Responden dalam penelitian ini sebanyak 50 pengguna kredivo di Kota Kupang. Hasil penelitian ini menunjukan bahwa kepercayaan, kemudahan dan sistem kredit berpegaruh positif signifikan terhadap pengguna kredivo di Kota Kupang, kepercayaan berpengaruh positif signifikan terhadap pengguna kredivo pada masa pandemi covid-19 di Kota Kupang, kemudahan bepengaruh positif signifikan terhadap pengguna kredivo pada masa pandemi covid-19 di Kota Kupang, sistem kredit berpengaruh positif signifikan terhadap pengguna kredivo pada masa pandemi covid-19 di Kota Kupang. Dengan hasil tersebut, diharapkan bahwa kemudahan pengguna.
Implementasi Program Keluarga Harapan (PKH) dalam Pemberdayaan Masyarakat di Desa Tagawiti Kecamatan Ile Ape Kabupaten Lembata Maria Salvi Reya Lelangona; Fransina W. Ballo; Aldarine Molidya
COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat Vol. 3 No. 09 (2024): COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/comserva.v3i09.1173

Abstract

Implementasi Program Keluarga Harapan (PKH) di Desa Tagawiti kurang efektif karena masih terdapat ketidakmaksimalan dalam empat faktor pendukung, seperti penggunaan bantuan untuk kebutuhan lain, ketidakvalidan data, dan kekurangan anggaran bagi KPM PKH, meskipun pendamping PKH telah melakukan koordinasi dengan pihak terkait. Penelitian ini dilakukan untuk mengetahui bagaimana Implementasi Program Keluarga Harapan (PKH) di Desa Tagawiti, Kecamatan Ile Ape, Kabupaten Lembata. Data yang digunakan dalam penelitian ini adalah data primer dan juga data sekunder, yang kemudian dianalisis menggunakan metode analisis deskriptif kualitatif. Teknik pengumpulan data yang digunakan dalam penelitian inmenggunakan teknik wawancara, observasi dan dokumentasi dengan menggunakan teori implementasi kebijakan Edward III. Hasil penelitian ini menunjukan bahwa implementasi PKH di Desa Tagawiti belum maksimal sesuai dengan empat faktor pendukung dalam implementasi. Sesuai dengan teori kebijakan Edward III yang terdiri dari komunikasi yang ditunjukan dengan adanya himbauan kepada KPM PKH di Desa Tagawiti supaya bijak dalam pemanfaatan bantuan, namun dalam pelaksananya KPM PKH di Desa Tagawiti masih menggunakan bantuan untuk kebutuhan lainya dan masih banyak masyarakat yang tidak mendapatkan bantuan PKH karena data yang tidak valid. Sumber daya manusia dari segi kualitasnya juga sudah kompoten, dari segi anggaran belum mencukupi kebutuhan KPM PKH, selanjutnya disposisi dalam penyaluran bantuan sikap pelaksana sangat baik dalam pelayanan.  Dalam birokrasi Pendamping PKH di Desa Tagawiti telah melakukan koordinasi dengan beberapa pihak dalam pelaksanaan Implementasi PKH yang ada di Desa Tagawiti.  
Preferensi Konsumen Terhadap Layanan M-banking : Studi Kasus Pada Bank NTT Dosince M. Metkono; Fransina W. Ballo; Cicilia A. Tungga
Jurnal Ekonomi, Bisnis dan Manajemen Vol. 3 No. 1 (2024): Maret : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : FEB Universitas Maritim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/ebismen.v3i1.1725

Abstract

Technological developments have had a huge impact on the banking system, one example of the impact of developments is increasingly modern payment systems such as mobile banking. Bank NTT is one of the banks that provides mobile banking services called B'pung mobile. This research aims to determine consumer preferences for mobile banking services at Bank NTT. This research uses a qualitative descriptive approach, by conducting structured interviews with informants and NTT bank customers. The research results show that consumer preferences for mobile banking services at NTT banks continue to experience positive developments in line with technological advances and changes in user behavior, ease of access, transaction security, feature and functional innovations are getting better. However, in its implementation there are several problems, namely a weak internet connection, no fingerprint feature and also a top up feature that is difficult to access.
Implementasi Kebijakan Blue Economy dalam Pemberdayaan Masyarakat di Pantai Wini, Kecamatan Insana Utara, Kabupaten Timor Tengah Utara Vinsensius Naikteas; Fransina W. Ballo; Cicilia A. Tungga
Jurnal Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 1 (2025): : Jurnal Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jumbiku.v5i1.6027

Abstract

This study explores the implementation of Blue Economy policies in Wini Beach, North Insana District, North Central Timor Regency, focusing on the empowerment of coastal communities. Using a qualitative approach, this study analyzes marine potential, the implementation of conservation areas, and the economic and social impacts of Blue Economy. The results indicate that this approach, which includes sustainable fishing practices, ecotourism development, and technical training, has improved the income and well-being of coastal communities. The introduced fishermen's training program successfully introduced environmentally friendly fishing techniques, while ecotourism promotion attracted tourists and created new job opportunities. However, challenges such as the lack of facilities, funding, and technical knowledge still persist. This study recommends enhancing collaboration between the government, NGOs, and local communities to address these challenges. In the three villages (Wini, Oesoko, Oekolo), the findings show that Blue Economy effectively enhances community welfare and environmental sustainability. However, challenges such as the lack of technical knowledge and infrastructure remain obstacles. Recommendations include increased training, infrastructure support, and regular evaluations to ensure long-term sustainability.
Implementasi Penggunaan Fitur Tarik Tunai Tanpa Kartu ATM Melalui Aplikasi BRI Mobile pada Masyarakat di Kota Kupang Maria Ivantri Dorwi; Reyner F. Makatita; Fransina W. Ballo
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5712

Abstract

This study aims to determine the implementation of the use of the ATM cardless cash withdrawal feature through the BRI Mobile application in Kupang City and to determine the development strategy for the ATM Cardless Cash Withdrawal Feature through the BRI Mobile application in the community in Kupang City. This study uses a qualitative descriptive approach, by conducting structured interviews with informants of leaders, employees and BRI Bank customers who use the ATM cardless cash withdrawal feature through the BRI Mobile application in the community in Kupang City. The data analysis technique in this study uses SWOT analysis. The results of the study using SWOT Analysis (Strength, Weakness, Opportunities, Threat) concluded that the total IFAS score of 3.30 indicates that BRI Bank is strong internally in implementing the ATM Cardless Cash Withdrawal Feature through the BRI Mobile application. While the total EFAS score of 3.10 indicates that BRI is able to read the opportunities that come and anticipate existing threats.
Peran Kelompok Tani dalam Ketahanan Pangan Rumah Tangga: Studi Kasus Lumbung Pangan Desa Kamubheka Kecamatan Maukaro Kabupaten Ende Kristiani Nindi; Marthen R. Pellokila; Fransina W. Ballo
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5716

Abstract

This research aims to determine the influence of the role of farmer groups and strategies for overcoming debt arrears on household food security in Kamubheka village. The population in this research was 80 people and the sample obtained using the Sloving formula calculation was 44 village employees and members of farmer groups. In this research using quantitative research methods. The data collection technique in this research uses a questionnaire with a Likert measurement scale. The data analysis technique uses multiple linear regression analysis techniques with calculations using the SPSS program. The results of this research show that the role of farmer groups has a significant influence on household food security in Kamubheka Village. Based on the results of the analysis, it appears that the role of farmer groups makes a major contribution to increasing household food security. In conclusion, the role of farmer groups in food security is very crucial and can meet the food needs of households in Kamubheka village. And the strategy for dealing with debt arrears implemented by farmer groups has a significant influence on household food security in Kamubheka Village. Based on the analysis results, improvements in this strategy can significantly increase household food security. By overcoming debt arrears, farmer groups can ensure that food storage remains stable and is able to provide sufficient food for the entire village community.
Dampak Perdagangan Lintas Batas TerhadapmPerekonomian Masyarakat Lokal di Wilayah Perbatasan Wini - Timor Leste Yasinta Nuban; Fransina W. Ballo; Maria Indriani Hewe Tiwu
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5745

Abstract

Cross-border trade is the activity selling goods between residents of different countries in border areas on the basis of mutual agreement. TTU district is one of the districts that borders directly with Timor Leste, especially the Oecusse enclave district. The research aims to explain the impacts of cross-border trade on the economy of local communities in the Wini-Timor Leste border area. This research is descriptive qualitative in nature with the data collection technique in the research being triangulation using the data analysis method proposed by Miles and Huberman. The results of the research show that cross-border trade between Wini and Timor Leste has an impact on the local economy such as increasing income, creating jobs which reduces the unemployment rate, infrastructure development, improving community welfare and also relational relations between the people of Wini and Timor Leste remain intact. However, there are also negative impacts that need to be addressed, such as unequal income distribution, unhealthy competition between local communities, security challenges and rapid socio-cultural changes.
Co-Authors Aldarine Molidya Cicilia A. Tungga Dosince M. Metkono Kostarius Baldor Kristiani Nindi Maria Indriani Hewe Tiwu Maria Ivantri Dorwi Maria Salvi Reya Lelangona Marthen Robinson Pellokila Moetia Riski Sofyani Novi Theresia Kiak Vinsensius Naikteas Yasinta Nuban