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The influence of financial literacy and access to capital on the performance of MSMs with financial technology as a moderating variable Manafe, Janri D.; Sanga, Marianus H.; Wungubelen, Danny F.
Enrichment : Journal of Management Vol. 14 No. 4 (2024): October: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v14i4.2102

The rapid growth of MSMEs in Kupang City faces significant challenges, including limited financial literacy, difficulties in accessing capital, and the integration of financial technology (fintech). This study aims to examine the influence of financial literacy and access to capital on the performance of MSMEs, with financial technology as a moderating variable. The research adopts a quantitative approach by collecting data through surveys from a sample of 100 MSME owners in Kupang City. The data is analyzed using Structural Equation Modeling (SEM) with the help of SmartPLS 4 software to test the relationships among the variables. The results are expected to demonstrate that financial literacy and access to capital significantly affect MSME performance, and that financial technology strengthens these relationships. The findings will contribute to the existing literature by providing empirical evidence on the importance of fintech in enhancing MSME growth and will offer policy recommendations for improving financial literacy, capital access, and technology adoption in MSMEs.

Packaging and Marketing Training for Products of Waste Processing Sites in Mangrove Tourism Area, West Oesapa Village, Kupang City Fanggidae, Jappy Parlindungan; Nino, Indawati Jauhar; Manafe, Janri Delastriani; Setyorini, Tuti; Dioh, Septia Sakalini; Kefi, Darwin Yopie; Latupeirissa, David Samuel; Tarigan, Surya Setiadi; Sanga, Marianus Hendrilensio; Dima, Rohani Purnamasari
Society : Jurnal Pengabdian Masyarakat Vol 4, No 1 (2025): Januari
Publisher : Edumedia Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55824/jpm.v4i1.481

This community service activity aims to improve the skills of the 3R Waste Management Site (Recycle, Reuse, Reduce) management group in the mangrove ecotourism area of Oesapa Beach, Kupang, NTT. This TPS was built through collaboration between the government and local communities, aiming to manage waste and support economic improvement through organic fertilizer production. However, there are obstacles in the marketing of these organic fertilizers, including unattractive packaging and limited sales points in tourist areas. This service method consists of several stages: preparation, implementation, evaluation, and reporting. At the preparation stage, partner problems are identified. The implementation stage includes training on packaging fertilizer products that are neater and more attractive and marketing strategies in tourist areas, which are delivered through workshops and hands-on practice. The evaluation was carried out by comparing the condition of the partners before and after the training. The results of the activity showed an increase in skills in product packaging and the ability to design more effective marketing strategies, which can be seen from the increase in consumer interest in organic fertilizer products. The positive impact of this activity is expected to support the sustainability of the 3R TPS management group's business and contribute to environmental and economic preservation of the local community through more optimal waste management.

Mengubah Sampah Menjadi Peluang Melalui Pemilahan Dan Pemanfaatan Sampah Di Kawasan Wisata Pantai Paradiso Mooy, Dikky; Janri D. Manafe; Enos Kabu; Reysanti M. Djami; Plafianto J. Himpi; Rohani P. Dima; Surya S. Tarigan; Irience R.A. Manongga; Wilhelmina Muni; Supriyani, Supiyani; Caryn E. Mau; Aqnes P.P. Lobo
Journal Of Human And Education (JAHE) Vol. 4 No. 6 (2024): Journal of Human And Education (JAHE)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jh.v4i6.1946

Abstract The community service activity that was carried out on November 23, 2024 was quite successful in attracting community participation and visitors to Paradiso Beach. The activity was packaged in the form of an interesting mini event, this activity successfully combined the transfer of waste sorting knowledge with entertainment. Not only sharing knowledge but also providing entertainment to the surrounding community with regional dances and modern dance as entertainment and preservation of local culture. This event was guided by a professional host to make it more interesting and presenting singers as performers. This event was opened directly by the Head of Oesapa Barat and attended by around 30 local residents and dozens of other visitors to Paradiso Beach. Keyword: Paradiso, Beach, Waste Abstrak Kegiatan pengabdian masyarakat yang telah dilaksanakan pada 23 November 2024 ini tergolong sukses dalam menarik partisipasi masyarakat dan pengunjung Pantai Paradiso. Kegiatan di kemas dalam bentuk mini event yang yang menarik, kegiatan ini berhasil menggabungkan transfer ilmu pemilahan sampah dengan hiburan. Tidak hanya membagikan ilmu tapi juga memberikan hiburan kepada masyarakat sekitar dengan tarian daerah dan modern dance sebagai hiburan dan pelestarian budaya lokal. Adapun acara ini dipandu oleh host professional agar semakin menarik dan menhadirkan penyanyi sebagai pengisi acara. Acara ini dibuka langsung oleh Lurah Oesapa Barat dan dihadiri sekitar 30 warga setempat dan puluhan pengunjung Pantai Paradiso lainnya. Kata Kunci: Paradiso, Pantai, Sampah

Packaging and Marketing Training for Products of Waste Processing Sites in Mangrove Tourism Area, West Oesapa Village, Kupang City Fanggidae, Jappy Parlindungan; Nino, Indawati Jauhar; Manafe, Janri Delastriani; Setyorini, Tuti; Dioh, Septia Sakalini; Kefi, Darwin Yopie; Latupeirissa, David Samuel; Tarigan, Surya Setiadi; Sanga, Marianus Hendrilensio; Dima, Rohani Purnamasari
Society : Jurnal Pengabdian Masyarakat Vol. 4 No. 1 (2025): Januari
Publisher : Edumedia Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55824/jpm.v4i1.481

This community service activity aims to improve the skills of the 3R Waste Management Site (Recycle, Reuse, Reduce) management group in the mangrove ecotourism area of Oesapa Beach, Kupang, NTT. This TPS was built through collaboration between the government and local communities, aiming to manage waste and support economic improvement through organic fertilizer production. However, there are obstacles in the marketing of these organic fertilizers, including unattractive packaging and limited sales points in tourist areas. This service method consists of several stages: preparation, implementation, evaluation, and reporting. At the preparation stage, partner problems are identified. The implementation stage includes training on packaging fertilizer products that are neater and more attractive and marketing strategies in tourist areas, which are delivered through workshops and hands-on practice. The evaluation was carried out by comparing the condition of the partners before and after the training. The results of the activity showed an increase in skills in product packaging and the ability to design more effective marketing strategies, which can be seen from the increase in consumer interest in organic fertilizer products. The positive impact of this activity is expected to support the sustainability of the 3R TPS management group's business and contribute to environmental and economic preservation of the local community through more optimal waste management.

Penguatan Kapasitas Tata Kelola Keuangan BumDes Nekafmese melalui Pelatihan dan Pendampingan Berbasis Akuntabilitas dan Transparansi di Desa Oeltua, Kabupaten Kupang, Provinsi Nusa Tenggara Timur Kamuri, Klaasvakumok J.; Manafe, Janri D.; Setyorini, Tuti; Tallo, Maria G. Y.; Muni, Wihelmina; Dima, Rohani P.; Mumu, Noldy D. P.; Baunsele, Petrus V.; Himpi, Plafianto J.; Kombong, Maxymilianus S. M.
Jurnal Abdi Masyarakat Indonesia Vol 6 No 2 (2026): JAMSI - Maret 2026
Publisher : CV Firmos

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54082/jamsi.2561

Badan Usaha Milik Desa (BUMDes) Nekafmese di Desa Oeltua, Kabupaten Kupang, Provinsi Nusa Tenggara Timur, menghadapi permasalahan dalam pengelolaan keuangan, khususnya terkait pencatatan transaksi, penyusunan laporan keuangan, serta penerapan prinsip akuntabilitas dan transparansi. Keterbatasan kapasitas pengurus menyebabkan pelaporan keuangan tidak berjalan secara rutin dan berdampak pada menurunnya kepercayaan masyarakat serta stagnasi aktivitas usaha BUMDes. Kegiatan Pengabdian kepada Masyarakat (PkM) ini bertujuan meningkatkan kapasitas pengurus BUMDes dalam tata kelola keuangan melalui pelaksanaan pelatihan dan pendampingan yang aplikatif. Metode pelaksanaan kegiatan dilakukan melalui tahapan observasi awal, pelatihan terstruktur, pendampingan berkelanjutan, dan evaluasi. Pelatihan dilaksanakan secara modular dan simulatif, sedangkan pendampingan dilakukan secara intensif oleh tim dosen dan mahasiswa Project Based Learning (PBL) dalam penerapan langsung pencatatan dan pelaporan keuangan. Hasil kegiatan menunjukkan adanya perubahan nyata pada mitra, berupa tersusunnya format laporan keuangan sederhana, meningkatnya konsistensi pencatatan transaksi, serta mulai diterapkannya pelaporan keuangan secara berkala. Kegiatan ini berdampak pada meningkatnya kemandirian pengurus dalam mengelola keuangan dan tumbuhnya kembali kepercayaan masyarakat terhadap BUMDes. Dengan demikian, pelatihan dan pendampingan pengelolaan keuangan terbukti efektif sebagai strategi penguatan kapasitas dan keberlanjutan BUMDes.

The Effect of Financial Knowledge, Financial Experience and Spiritual Intelligence on Investment Planning Behavior Janri Manafe
Jurnal Ekonomi dan Bisnis Jagaditha Vol. 8 No. 2 (2021): Jurnal Ekonomi & Bisnis JAGADITHA
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jj.8.2.2021.209-214

This study aims to examine the effects of financial knowledge, financial experience and spiritual intelligence on investment planning behavior at Oebobo District, Kupang City, East Nusa Tenggara. The method used in this study is a qualitative method; meanwhile the data are collected through an online survey. In total, there were 105 employees participated in the survey. The participants are residents of the Oebobo sub-district, Kupang City, East Nusa Tenggara. Furthermore, multiple linear regressions are used in analyzing the data. The results of this study revealed that partially and simultaneously financial knowledge, financial experience and spiritual intelligence relates positively to investment.

The Effect of E-Wallet Use on Impulse Buying Behavior Students in Business Administration of Politeknik Negeri Kupang Jessica Hermanus; Janri Delastriani Manafe
Journal of Business, Accounting and Information Technology Vol. 1 No. 1 (2026): February 2026
Publisher : CV. Namora dan Riona Bersaudara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18492072

The development of digital payment technology, particularly e-wallets, has influenced transaction patterns and consumer behavior, especially among students. This study aims to analyze the effect of e-wallet usage on impulse buying behavior among students of the Department of Business Administration at Politeknik Negeri Kupang. The research employs a quantitative approach with an explanatory design. Data were collected through questionnaires distributed to 62 respondents selected using a simple random sampling technique. The data analysis used descriptive and inferential statistical methods, including classical assumption tests, simple linear regression, correlation analysis, and coefficient of determination. The results show that e-wallet usage has a positive and significant effect on students’ impulse buying behavior. This indicates that increased use of e-wallets tends to encourage spontaneous and unplanned purchases. The relationship between e-wallet usage and impulse buying is relatively strong, with e-wallets contributing significantly to explaining variations in impulse buying behavior, although other factors outside the research model also play a role. Theoretically, this study contributes to consumer behavior research related to digital payment systems. Practically, the findings emphasize the importance of digital financial literacy to promote responsible e-wallet usage among students.

PEMASARAN PARIWISATA MELALUI STRATEGI PROMOSI OBJEK WISATA ALAM, SENI DAN BUDAYA (Studi Kasus di Pulau Rote NTT) Manafe, Janri.D; Setyorini, Tuty; Alang, Yermias A.
BISNIS Vol 4, No 1 (2016): BiSNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v4i1.1687

Development of tourism in Indonesia is in line with the government program to promote tourism as an addition to foreign exchange outside the non-oil sector. One area in Indonesia which has a variety of tourist attractions that the island of Rote. Natural attractions on the island of Rote has many interesting panorama, as a unique tourist attraction. Promotion strategies can be used as a tool to market their tourism products in the form of natural attractions, arts and culture are an excellent product and all the tourism potential that is in place. The research objectives: 1) To describe the profile of nature, art and culture of the island of Rote, 2) To determine the model Rote Island tourism marketing throughpromotional strategies of natural attractions, art and culture. The method used in this study is a qualitative method using a case study approach regarding the promotion strategies of natural attractions, art and culture of the island of Rote. The research used the ethnographic approach. Ethnography is an empirical and theoretical approaches that aim to get a description and a thorough analysis of culture based on field research (fieldwork) intensive. Sources of information in this study consisted of four people, namely, Head of Promotion, Head Attractions, Head of Culture and Head of Bina Sarana. The technique of collecting data using interviews, observation and documentation. The data were analyzed by using domain analysis. Technique authenticity of data using triangulation sources that checks the accuracy of data on the interview and documentation. The strategy undertaken by the Department of Culture and Tourism Rote Ndao is the author of view is verysimple so it does not boost the number of domestic and international tourists who proved in the tables of foreign tourists and Vishnu, who in turn have an impact on revenue receipts for the tourism sector is very small. Therefore essential drawn up a proper marketing strategy, effective and efficient. Tourism Marketing Model Rote- island of Nusa Tenggara Timur Through Promotion Strategy Object Nature Tourism, Arts and Culture Visit To Boost Domestic and International right is through a strategy Promotion Mix (Kotler). Promotion strategy defined Mix 5 (five) are: Advertising (advertising), Sales Promotion (Sales Promotion), Public Relations (PR), the Personal Sales (Personal Selling) and a Direct Marketing (DirectMarketing).

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