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All Journal Journal Of Business, Finance, and Economics (JBFE) Journal of Innovation Research and Knowledge Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Jurnal Manajemen dan Ekonomi Kreatif Dharma Ekonomi Jurnal Manajemen Pariwisata dan Perhotelan Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi
Maria Indriyani Hewe Tiwu
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Kontribusi, Efektivitas dan Efisiensi Sektor Pariwisata Terhadap Pendapatan Asli Daerah Kabupaten Alor Gisela Lobang; Petrus E. de Rozari; Maria Indriyani Hewe Tiwu
Jurnal Manajemen Pariwisata dan Perhotelan Vol. 2 No. 2 (2024): Mei : Jurnal Manajemen Pariwisata dan Perhotelan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jmpp-widyakarya.v2i2.3038

Abstract

This study aims to analyze the contribution, effectiveness and efficiency of the tourism sector to local revenue in Alor Regency. This research is a quantitative descriptive study with time series data for 5 years, namely in the 2018-2022 period. The data used are tourism sector revenue realization data, local revenue realization data, tourism sector revenue target data and tourism sector spending data sourced from the Alor Regency Regional Revenue Agency and the Alor Regency Tourism Office. To calculate the contribution, the level of effectiveness and the level of efficiency of the tourism sector to the local revenue of Alor Regency the analysis technique used is to calculate the Contribution Ratio, Effectiveness Ratio and Efficiency Ratio. The results of this study indicate that the contribution made by the tourism sector to local revenue in Alor Regency for the period 2018-2022 is very less which results in this contribution being ineffective and inefficient.
Pengaruh Perilaku Keuangan Dan Pengetahuan Keuangan Terhadap Transaksi Pembayaran Non Tunai Pelaku UMKM di Daerah Perbatasan Kecamatan Raihat Kabupaten Belu Januaria Kartika Ati; Maria Indriyani Hewe Tiwu; Novi Theresia Kiak
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 2 No. 3 (2024): September : Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v2i3.746

Abstract

This study aims to analyze the influence of financial behavior on non-cash payment behavior and to determine the influence of financial knowledge on non-cash payment transactions in the community of Raihat District. This study uses primary data by distributing questionnaires to 30 respondents in Raihat District who are MSME actors. This study uses purposive sampling. The data analysis in this study uses multiple linear regression analysis with the results of the study showing that financial behavior and financial knowledge have a significant effect on non-cash payment transactions in the community in Raihat District.
Pengaruh Literasi Keuangan Terhadap Minat Masyarakat Dalam Menggunakan Pinjaman Online Pada Masyarakat Kota Kupang Zelyn Jayanti Margaretha Ratuarat; Novi Theresia Kiak; Maria Indriyani Hewe Tiwu
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 2 No. 3 (2024): September : Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v2i3.751

Abstract

Online loans are currently increasingly popular among the public with the development of technology. The sophistication of this technology has had a very significant impact on the survival of society, which will make people more consumptive through the arrival of electronic or non-cash means of payment, without cash this will create impulsive shopping behavior where someone buys products without planning. This research aims to analyze the influence of financial knowledge on online loan interest behavior, to determine the influence of financial behavior on online loan interest and to determine financial attitudes towards online loan interest in the Kupang city community. This research uses primary data by distributing questionnaires online to 100 respondents in Kupang City who are online loan users. This research uses non-probability purposive sampling. Data analysis in this research uses multiple linear regression analysis with the results of the research showing that financial knowledge, financial behavior and financial attitudes have a significant effect on interest in online loans among people in Kupang City.
Analisis Pengaruh Nilai Tukar Rupiah, Jumlah Uang Beredar Dan Tingkat Inflasi Terhadap Pertumbuhan Ekonomi Di Indonesia Mathias Efi; Maria Indriyani Hewe Tiwu; Novi Theresia Kiak
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 2 No. 4 (2024): Juli : MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v2i4.708

Abstract

This study aims to find out and explain the analytical influence of the influence of the rupiah exchange rate, the amount of money in circulation and the inflation rate on economic growth in Indonesia. The type of research used by the researcher is quantitative research using secondary data. The data analysis techniques used include, multiple linear regression analysis, classical assumption test and hypothesis test using Eviews analysis tools. The results of the T test show that the exchange rate variable has a significant positive impact on Indonesia's economic growth, the money supply variable has a very large positive impact on Indonesia's economic growth, and the Inflation variable has a significant negative impact on Indonesia's economic growth. The results of the F test show that the exchange rate variable, the money supply variable, and the Inflation variable simultaneously have a significant effect on Indonesia's economic growth.
Pengaruh Perubahan Kurs terhadap Return Saham Sektor Perbankan pada Masa Covid 19 Sevanya Eunike Lado; Maria Indriyani Hewe Tiwu; Novi Theresia Kiak
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 2 No. 5 (2024): September : MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v2i5.832

Abstract

The aim of this research is to determine the influence of Covid 19 which has an impact on the depreciation of the rupiah against the US dollar which then has an impact on stock prices. The case study in this research is the share price of the banking sector in the Indonesia Stock Exchange from March 1 to August 31, 2020. The population taken in this research is the banking sector listed on the Indonesian Stock Exchange. The sampling method used purposive sampling so that the number of samples obtained was 4 companies which are state-owned banking companies. Data collection is carried out by documenting data that has been published by the Indonesian Stock Exchange. Investors' reactions to information on the depreciation of the rupiah against the US dollar can be seen from the abnormal stock returns 7 days before and 7 days after information on the depreciation of the rupiah against the US dollar. The method used is the Event Study method with One Sample T-Test and Paired Test data analysis techniques.The conclusion from the results of research and data analysis from 4 state-owned banking companies listed on the Indonesia Stock Exchange during the window period is that it was found that there was no difference in Average Abnormal Return before the depreciation of the rupiah against the United States dollar (event) and after the depreciation of the rupiah against the United States dollar (event). And the paired t-test analysis shows that stock prices before the event do not affect stock prices after the event. This result shows that this market is a semi-strong market according to the Efficiency Market Hypothesis theory.
Analisis Penggunaan Mesin Electronic Data Capture (EDC) Pada Wajib Pajak Restoran Sebagai Upaya Mengoptimalkan Penerimaan Pajak Daerah di Kota Kupang Yusuf Frans Kartoma; Novi Theresia Kiak; Maria Indriyani Hewe Tiwu
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 3 No. 3 (2024): Juli : Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v3i3.2753

Abstract

This research aims to explain the implementation of the policy on the use of Electronic Data Capture (EDC) machines among restaurant taxpayers in Kupang City and to explain the factors that hinder and obstruct the implementation process as well as the use of EDC machines as a payment transaction system for restaurant taxpayers in Kupang City. This study employs a descriptive qualitative approach by conducting interviews with informants from the Badan Pendapatan Daerah Kota Kupang, Bank NTT KCU Kupang, and restaurant taxpayers who have installed EDC machines. The research findings indicate that the policy on the use of Electronic Data Capture (EDC) faces several issues, both in the implementation process and in the use of EDC machines by restaurant taxpayers who have installed them. The lack of awareness, support, and readiness from restaurant taxpayers in terms of technical, administrative, and human resources aspects, as well as ineffective communication and coordination between Bapenda and Bank NTT towards taxpayers, are obstacles in the implementation process of EDC machines. From the perspective of EDC machine usage, technical problems with the machines, such as frequent errors, consumers' understanding level, the billing and tax payment system that is not yet fully digitized through the EDC machine system, the limitations of EDC machine features and services that do not yet meet the needs of restaurant taxpayers, and the human resource aspect of restaurant taxpayers who are not yet able to operate the EDC machines, constitute several non-technical factors that also hinder the use of EDC machines as a payment transaction system. Keywords: , , E
Pengaruh Infrastruktur Pedesaan Terhadap Produktivitas Pangan di Kecamatan Titehena Kabupaten Flores Timur Katharina Martha Apriliani Wenggol; Fransina W. Ballo; Maria Indriyani Hewe Tiwu
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 3 No. 3 (2024): Juli : Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v3i3.2755

Abstract

This study aims to find out and explain the influence of rural infrastructure on food productivity in Titehena District, East Flores Regency. The type of research used by the researcher is quantitative research using primary data. The sampling technique used in this study is by using a questionnaire. The data analysis techniques used include validity tests, reliability tests, multiple regression analysis, instrument tests, and hypothesis tests using SPSS analysis tools. The results of this study show that the results of multiple regression testing, partially the accessibility infrastructure variable affects food productivity, the agricultural infrastructure variable affects food productivity, and simultaneously the accessibility infrastructure variable and the agricultural infrastructure variable simultaneously affect food productivity in Titehena District, East Flores Regency.
Pengaruh Layanan Agen Pegadaian dan Digital Service terhadap Kinerja PT Pegadaian Cabang Kupang Rambu Jenika Puteri Cendana; Reyner F. Makatita; Maria Indriyani 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.v5i2.5714

Abstract

This research aims to determine the influence of pawnshop agent services and digital services on the performance of PT Pegadaian Kupang Branch. The type of research used is quantitative research using primary data. The sampling technique used in this research was saturated sampling. So in this study the sample used was the entire population, namely pawnshop agents. The data analysis techniques used in this research include instrument testing, multiple linear regression model estimation, classical assumption testing and hypothesis testing using eviews12 software. The results of this research show that the pawnshop agent variable has an influence on the performance of PT Pegadaian Kupang Branch, the digital service variable has an influence on the performance of PT Pegadaian Kupang Branch. So simultaneously the pawnshop agent and digital services variables influence the performance of PT Pegadaian Kupang Branch.
Pengaruh Kualitas Pelayanan Dan Citra Perusahaan Terhadap Kepuasan Pelanggan Pada KPR BTN Cabang Kupang Jenifa Carejeira Lopes; Petrus E. De Rozari; Maria Indriyani Hewe Tiwu
Jurnal Manajemen dan Ekonomi Kreatif Vol. 2 No. 3 (2024): Juli: Jurnal Manajemen dan Ekonomi Kreatif
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jumek.v2i3.367

Abstract

This study aims to find out and explain the quality of service and the company's image towards customer satisfaction in KPR BTN Kupang branch. The type of research used by the researcher is quantitative research using primary data. This research was conducted at PT. Bank Tabungan Negara, Tbkl. Kupang Branch. The sampling technique used in this study is to distribute questionnaires (questionnaires). The data analysis techniques used include validity tests, reliability tests, and regression analysis using SPSS analysis tools. The results of this study show that the results of multiple linear regression tests, service quality variables and the image of the State savings bank (BTN) company have a significant effect on customer satisfaction.
Analisis Pengaruh Inflasi Dan Suku Bunga Terhadap Pertumbuhan Ekonomi di Kota Kupang Tahun 2013-2022 Daniel Naramesakh; Maria Indriyani Hewe Tiwu; Fransina W. Ballo
Dharma Ekonomi Vol. 32 No. 1 (2025): DHARMA EKONOMI
Publisher : sekolah Tinggi Ilmu Ekonomi Dharmaputra Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59725/de.v32i1.258

Abstract

The purpose of this study is to determine the magnitude of the influence of inflation and interest rates on economic growth in Kupang City. The research used is quantitative research analyzed using the help of the SPSS (statistical package for the social sciences) time series data software program. The data collection for this study is secondary data from the East Nusa Tenggara Central Statistics Agency and Bank Indonesia in 2013-2022 in the form of quarters (time series) in NTT Province. The results of the study show that the results of the regression analysis, inflation does not have a significant effect on economic growth in Kupang City during the 2013-2022 period. The results of the partial test (t-test) show that changes in interest rates play a role in determining the dynamics of economic growth, where lower interest rates tend to encourage increased investment and consumption, while higher interest rates have the potential to restrain economic activity because they increase borrowing costs. The results of the simultaneous test (F test), inflation and interest rates have a significance value of less than 0.05, which means that both variables simultaneously play a role in determining economic growth. The coefficient of determination (R²) value of 35.11% indicates that only a small portion of the variation in economic growth can be explained by inflation and interest rates. The remaining 64.89% is influenced by other factors outside the model, such as investment levels, government spending, unemployment rates, fiscal policies, and external factors such as global commodity prices and national economic conditions.
Co-Authors Alberthus, Andien Paskarina Aldarine Molidya Cicilia A. Tungga Daniel Naramesakh de Rozari, Petrus E. Gisela Lobang Januaria Kartika Ati Jenifa Carejeira Lopes Karsono, Danny Julian Katharina Martha Apriliani Wenggol Koroh, Angela Jessicca Sheyla Mathias Efi Novi Theresia Kiak Rambu Jenika Puteri Cendana Salle, Jeko Jermias Sevanya Eunike Lado Welhelmina Ballo , Fransina Yusuf Frans Kartoma Zelyn Jayanti Margaretha Ratuarat