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All Journal Formosa Journal of Applied Sciences (FJAS) Journal of Innovation Research and Knowledge Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Indonesian Journal of Contemporary Multidisciplinary Research Jurnal Manajemen dan Ekonomi Kreatif Jurnal Manajemen Pariwisata dan Perhotelan Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi E-Jurnal Ekonomi Pembangunan Jurnal Manajemen Pariwisata dan Perhotelan
Maria Indriyani Hewe Tiwu
Unknown Affiliation
Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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PENGARUH DANA PIHAK KETIGA DAN MODAL BANK TERHADAP PENYALURAN KREDIT PADA BANK UMUM KONVENSIONAL DI INDONESIA TAHUN 2014-2023 Koroh, Angela Jessicca Sheyla; Novi Theresia Kiak; Maria Indriyani Hewe Tiwu
Journal of Innovation Research and Knowledge Vol. 5 No. 4: September 2025
Publisher : Bajang Institute

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Abstract

Hasil penelitian ini menunjukkan bahwa dana pihak ketiga dan modal bank berpengaruh secara signifikan dan bersama-sama terhadap penyaluran kredit. Selain itu, secara parsial bahwa dana pihak ketiga dan modal bank berpengaruh positif dan signifikan terhadap penyaluran kredit. Penelitian ini dilakukan untuk menggambarkan pengaruh dan hubungan antara dana pihak ketiga dan modal bank sebagai variabel independen serta penyaluran kredit sebagai variabel dependen serta juga ingin melihat perbandingan dan perubahan maupun perkembangan dari pengaruh variabel independen terhadap variabel dependen. Disamping itu peneliti juga tertarik untuk menganalisis hubungan dana pihak ketiga, modal bank lain dan penyaluran kredit secara parsial maupun secara simultan.
STRATEGI PENGEMBANGAN UMKM GULA SEMUT DALAM PENINGKATAN PEREKONOMIAN MASYARAKAT DESA OEBOU DAN DESA OETEFU KABUPATEN ROTE NDAO Salle, Jeko Jermias; Maria Indriyani Hewe Tiwu; Cicilia A. Tungga
Journal of Innovation Research and Knowledge Vol. 5 No. 5 (2025): Oktober 2025
Publisher : Bajang Institute

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Abstract

Penelitian ini bertujuan untuk menganalisis strategi pengembangan Usaha Mikro, Kecil, dan Menengah (UMKM) gula semut dalam meningkatkan perekonomian masyarakat di Desa Oebou dan Desa Oetefu, Kabupaten Rote Ndao. UMKM gula semut memiliki potensi besar sebagai sumber ekonomi lokal karena ketersediaan bahan baku berupa pohon lontar yang melimpah dan telah menjadi bagian dari kearifan lokal masyarakat setempat. usaha ini masih menghadapi berbagai kendala seperti keterbatasan modal, tekniK pengolahan yang masih sederhana, kualitas produk yang rendah, serta akses pemasaran yang terbatas. Metode penelitian yang digunakan adalah pendekatan deskriptif kualitatif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa strategi pengembangan UMKM gula semut yang efektif meliputi peningkatan kapasitas produksi melalui pelatihan dan inovasi teknologi, penguatan akses permodalan, perbaikan kualitas produk dan kemasan, serta perluasan jaringan pemasaran melalui kolaborasi dengan instansi terkait. Dengan penerapan strategi yang tepat, UMKM gula semut dapat berkontribusi secara signifikan terhadap peningkatan pendapatan dan kesejahteraan masyarakat, serta mendorong pertumbuhan ekonomi lokal di Kabupaten Rote Ndao.
Strategy and Impact of Development of the Tasi Oetuke Tourist Attraction on Economic Conditions in Oetuke Village, TTS Regency Yomestrin Kause; Fransina W. Ballo; Maria Indriyani Hewe Tiwu
Formosa Journal of Applied Sciences Vol. 2 No. 11 (2023): November 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjas.v2i11.6756

Abstract

This research aims to find out what kind of tourist attraction development strategies are carried out by the local government in the tourist attraction area and its impact on the community in Oetuke Village. This type of research uses field research, which is descriptive qualitative in nature. where data collection uses observation, interview and documentation methods, and all data is analyzed using SWOT analysis (Strength, Weakness, Opportunity, Threat). The results obtained from this research are that the strategy used is to empower the community such as tourism awareness, in addition to improving facilities and infrastructure, carrying out promotions in various media and electronics, as well as improving infrastructure and its impact on the economy of the community in Oetuke Village in increasing income. which are near tourist attractions and levies can help BUMDES administrators to develop tourist attractions.
The Impact of the Construction of the Haekrit Dam on the Social and Economic Life of the Farming Community in Manleten Village, East Tasifeto District Pareira, Theofelo H Do Santos; Fransina W Balo; Maria Indriyani Hewe Tiwu
Indonesian Journal of Contemporary Multidisciplinary Research Vol. 3 No. 1 (2024): January, 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/modern.v3i1.7482

Abstract

This research aims to explain the impact of the construction of the Haekrit Dam on the economic and social life of farming communities in Manleten Village, East Tasifeto District. This research use desciptive qualitative approach. Data collection used was interviews, observation and documentation. The analysis was carried out in several stages, namely data collection, data reduction, data presentation and drawing conclusions. The results of this research show that the impact of the construction of the dam on the social life of farming communities still often causes social conflict between farmers regarding the use of irrigation, but land acquisition does not have a negative effect, while the construction of the Haekrit Dam has a positive effect on the economic life of farming communities such as there are changes and additions to livelihoods, increasing the income of farming communities
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT PENGEMBALIAN KREDIT SUB SEKTOR PERTANIAN DI BANK NTT CABANG BAJAWA KABUPATEN NGADA Anthonius Ardianto Djawa Toda; Maria Indriyani Hewe Tiwu
E-Jurnal Ekonomi Pembangunan Vol. 13 No. 08 (2024): Vol. 13, No. 08, Agustus 2024
Publisher : Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EEP.2024.v13.i08.p05

Abstract

This study aims to analyze the factors that influence the rate of return on credit in the agricultural sub-sector in NTT banks and to analyze the rate of return on credit in the agricultural sector. The data method used is qualitative research using data reduction analysis, data presentation, verification and conclusions. The results of the study show that the relationship between business characteristics and the rate of return on micro business credit is influenced by things such as business experience, business turnover and profits. Business experience greatly affects the rate of credit returns. The relationship between Credit Characteristics and Micro Business Credit Repayment Rates can be influenced by the loan amount, repayment period and borrowing experience. The greater the loan amount borrowed by the debtor, the greater the return, because in addition to paying off credit, the debtor also pays interest and installments. The repayment period also affects the rate of return on micro business credit because the longer the credit repayment period means that the monthly installment burden that must be paid is relatively lighter, when compared to a faster repayment period with the same loan amount. Keywords: Credit Return, Micro Business, and Agriculture
Dampak Digitalisasi terhadap Peningkatan Produktivitas Usaha Mikro Kecil, Menengah (UMKM) di Era Ekonomi Digital Kota Kefamenanu Aurelia Inacia Noyola N. Da Gama; Fransina W. Ballo; Maria Indriyani Hewe Tiwu
Jurnal Manajemen dan Ekonomi Kreatif Vol. 4 No. 2 (2026): April: Jurnal Manajemen dan Ekonomi Kreatif
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jumek.v4i2.715

Abstract

This study aims to analyze the impact of digital technology implementation on increasing the productivity of MSMEs in Kefamenanu City in the digital economy era. Digitalization is examined through the adoption of digital marketing, the use of e-commerce platforms, and the application of electronic payment systems or e-payments. Meanwhile, MSME productivity is assessed based on operational efficiency, market reach, and increased sales volume. This study uses a qualitative descriptive method, with data collected through observation, interviews, and documentation involving MSME actors who have applied digital technology in their business activities. The results indicate that digitalization has a positive impact on MSME productivity in Kefamenanu City by helping business owners promote products more widely, simplify transactions, improve service speed, and expand consumer access. Nevertheless, the implementation of digital technology still faces several challenges, including limited digital network infrastructure in certain areas and low digital literacy among some micro-business owners. Therefore, training and infrastructure support are needed to strengthen MSME competitiveness in the digital economy era and support sustainable local economic growth.
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. 3 No. 4 (2025): November : 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.
Co-Authors Alberthus, Andien Paskarina Aldarine Molidya Anthonius Ardianto Djawa Toda Aurelia Inacia Noyola N. Da Gama Cicilia A. Tungga de Rozari, Petrus E. Fransina W Balo Gisela Lobang Januaria Kartika Ati Jenifa Carejeira Lopes Karsono, Danny Julian Katharina Martha Apriliani Wenggol Koroh, Angela Jessicca Sheyla Mathias Efi Novi Theresia Kiak Pareira, Theofelo H Do Santos Salle, Jeko Jermias Sevanya Eunike Lado Welhelmina Ballo , Fransina Yomestrin Kause Yusuf Frans Kartoma Zelyn Jayanti Margaretha Ratuarat