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All Journal Jurnal EMT KITA JURNAL MUQODDIMAH : Jurnal Ilmu Sosial, Politik dan Hummaniora FINANCIAL : JURNAL AKUNTANSI Visi Sosial Humaniora Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) JURNAL ILMU MANAJEMEN SABURAI (JIMS) Jurnal Pengabdian Masyarakat Bhinneka Golden Ratio of Data in Summary Economics and Business Journal Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Communautaire: Journal of Community Service Jurnal Ekonomi, Manajemen, Akuntansi
Bate’e, Maria Magdalena
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Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Pengaruh Gaya Hidup Buy Now Pay Later Terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi Universitas Nias Zebua, Tiara Natalia; Duha, Tiarni; Bate’e, Maria Magdalena; Gulo, Heniwati
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2272

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh gaya hidup buy now pay later terhadap perilaku keuangan mahasiswa Fakultas Ekonomi Universitas Nias. Latar belakang penelitian ini didasari oleh meningkatnya penggunaan layanan BNPL di kalangan mahasiswa yang berpotensi memicu perilaku konsumtif dan pengeloaan keuangan yang tidak sehat. Penelitian ini menggunakan metode kuantitatif dengan jumlah sampel sebanyak 91 responden yang diambil secara proporsional dari mahasiswa regular semester 2 hingga semester 8. Teknik analisis data yang digunakan meliputi uji validitas, uji reliabilitas, uji heterokedastisitas, koefisien korelasi, koefisien determinasi, regresi linear sederhana dan uji t. Hasil penelitian menunjukkan bahwa terdapat pengaruh positif dan signifikan antara gaya hidup BNPL terhadap perilaku keuangan mahasiswa. Temuan ini mengindikasikan bahwa semakin tinggi kecenderungan mahasiswa menjalani gaya hidup BNPL, maka semakin besar pula dampaknya terhadap cara mereka mengelola keuangan, baik dari sisi pengeluaran, menabung, hingga kesiapan menghadapi resiko keuangan. Oleh karena itu, penting adanya peningkatan literasi keuangan agar mahasiswa mampu menggunakakan layanan BNPL secara bijak.
ANALISIS PENGADAAN BAHAN BAKU BRIKET DALAM MEMENUHI KEBUTUHAN TARGET PRODUKSI PADA UD DEOLEN SEJAHTERA DI KABUPATEN NIAS Gea, Tolona; Bate’e, Maria Magdalena; Iman Jaya Gea, Jeliswan Berkat; Mendrofa, Martha Surya Dinata
JURNAL ILMU MANAJEMEN SABURAI Vol 10, No 2 (2024): JURNAL ILMU MANAJEMEN SABURAI (JIMS)
Publisher : Universitas Sang Bumi Ruwa Jurai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24967/jims.v10i2.3023

Abstract

Judul penelitian ini berjudul "Analisis Pengadaan Bahan Baku Briket dalam Memenuhi Kebutuhan Target Produksi pada UD. Deolen Sejahtera di Kabupaten Nias." Penelitian ini bertujuan untuk memahami proses pengadaan bahan baku briket di UD. Deolen Sejahtera, mengevaluasi pencapaian target produksi, mengidentifikasi hambatan dalam pengadaan bahan baku, dan menganalisis strategi yang digunakan perusahaan untuk mencapai target produksi. Metode penelitian yang digunakan adalah pendekatan Longitunial dengan jenis penelitian kualitatif yang melibatkan 5 informan yang terdiri dari 1 orang Pemilik, 3 orang Karyawan, dan 1 orang Pemasok. Hasil penelitian menunjukkan bahwa UD. Deolen Sejahtera mengimplementasikan proses pengadaan yang melibatkan perencanaan, pembelian, pengiriman, dan penyimpanan bahan baku. Meskipun perusahaan memiliki target produksi yang luar biasa pencapaian target pengadaan bahan baku selama periode tertentu masih di bawah 100%. Hambatan dalam pengadaan bahan baku mencakup fluktuasi harga, ketidaksesuaian biaya pembelian dengan anggaran, dan variasi kondisi pemasok. Perusahaan mengadopsi strategi seperti pemahaman mendalam tentang karakteristik bahan baku, perjanjian yang jelas dengan pemasok, perencanaan stok bahan baku, dan pengawasan tenaga kerja yang efektif untuk mengatasi tantangan tersebut. Melalui Penelitian ini dapat bermanfaat untuk memberikan wawasan tentang pentingnya manajemen pengadaan yang efektif dalam menjaga kelancaran proses produksi dan mencapai target produksi perusahaan.
The Effect of Financial Literacy on Financial Behavior of Micro, Small and Medium Enterprises (SMEs) in Ulugawo District, Nias Regency Zai, Sambuani; Hulu, Perlindungan F.; Bate’e, Maria Magdalena; Bu’ulolo, Nanny A.
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.v4i2.564

Abstract

Low financial literacy has significant implications, including restricted access to financial institutions and mismanagement of money and wealth. A common consequence of low financial literacy is the limited access to financial services, often restricted to banks. This issue is particularly prevalent among Micro, Small, and Medium Enterprises (MSMEs), where poor financial literacy hinders both business growth and economic development. Many individuals lack the financial knowledge necessary to manage investments, pay bills on time, and maintain a budget, all of which are essential for sound financial management. In the case of MSME actors in Ulugawo sub-district, observations reveal that many do not have a clear understanding of financial management, nor do they maintain proper financial records. This lack of financial knowledge often leads to difficulties in organizing expenditures and managing finances. As a result, many MSMEs struggle to present their financial standing clearly, making them ineligible for capital credit access. The purpose of this study was to examine the impact of financial literacy on the financial behavior of MSME actors in Ulugawo, Nias. The research employed a quantitative descriptive approach, with data collected through questionnaires. The data analysis revealed that financial literacy accounts for 70% of the variation in financial behavior among MSMEs in Ulugawo, indicating that the remaining 30% is influenced by other factors not covered in this study. The t-test results for the financial literacy variable (X) showed a t-value of 2.191, with a significance level of 5%. The calculated r-value was greater than the critical r-value (r-calculated > r-estimated, 1.6759), confirming the significant influence of financial literacy on financial behavior.
The Effect of Financial Literacy on the Financial Management of Students Halawa, Ester; Bate’e, Maria Magdalena; Bu’ulolo, Nanny A.; Telaumbanua, Aferiaman
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.
The Influence of Financial Knowledge and Financial Attitudes on Financial Management Behavior on UMKM Actors in Lahomi Sub-District Daeli, Dimensi; F. Hulu, Perlindungan; Bu’ulolo, Nanny A.; Bate’e, Maria Magdalena
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.v4i2.575

Abstract

This research aims to determine the influence of financial knowledge and financial attitudes towards financial management behavior among MSMEs in Lahomi sub-district. This research is included in associative research. This result of the research shows that (1) there is a positive and significant influence of financial knowledge on financial management behavior among MSMEs in Lahomi District (2) there is a positive and significant influence of financial attitudes on financial management behavior among MSMs in Lahomi District (3) there is a positive and not significant influence on the financial management behavior of MSMEs in Lahomi District.
The Effect of Financial Inclusion on the Sustainability of the SME Sector Zebua, Feberia; Bate’e, Maria Magdalena; Hulu, Perlindungan F.
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.v4i2.576

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 find out whether financial inclusion can overcome the challenges experienced by SME actors. The research was conducted in Lotu District, North Nias Regency. The research method used is quantitative method with data collection through distributing questionnaires, documentation, and interviews, observation. Respondents in this study amounted to 63 respondents of SME actors. 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 the increasing financial inclusion, it will further encourage SME actors to develop their businesses in the future.
SWOT Analysis in Determining Consumer Preferences For Designing Traditional Nias Clothing Zebua, Lisan Cermin Hati; Mendrofa, Martha Surya Dinata; Bate’e, Maria Magdalena; Gea, Jeliswan Berkat Iman Jaya
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.v4i2.636

Abstract

The purpose of this research is to find out consumer preferences in designing traditional Nias clothing, find out the design after conducting a SWOT analysis, and find out the obstacles that exist in the process of making traditional Nias clothes. This research uses a qualitative research approach. The sample in this study were 6 people consisting of business owners, traditional leaders, employees, and consumers. Data collection techniques, namely interviews and observations. The results of this study are steps in determining consumer preferences in designing traditional Nias clothing at UD. Vivi is the determination of the size motif and type of material, color selection based on market demand, the design produced by UD. Vivi in designing Nias traditional clothing is seen in terms of shape, size, quality, and product durability, the findings of threats to UD. Vivi is that it can come from various factors, namely competition, changes in market trends, changes in consumer preferences, especially among the younger generation who may prefer clothes with modern styles rather than traditional ones, which can reduce demand for traditional Nias clothing, the influence of foreign cultures: Influence from outside culture, and the tools used are still traditional.
The Effect of Consumer Trust and Service Quality on Shopee Users Online Purchase Decisions Harefa, Kelly; Gea, Elhan; Mendrofa, Yupiter; Bate’e, Maria Magdalena
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.v4i2.637

Abstract

This research is motivated by the development of the use of digital marketing in Indonesia, especially in the Nias Islands, which is currently running quite rapidly, which has directly given rise to new competition, this requires business actors to be more creative and innovative regarding the marketing changes that are currently occurring. This research aims to determine the influence of consumer trust and service quality on online purchasing decisions of Shopee users among students at the Faculty of Economics, Unversitas Nias, North Sumatera, Indonesia. This research is quantitative research with the research object at the Faculty of Economics, Unversitas Nias, North Sumatera, Indonesia. Data sources are taken from documentation, questionnaire results and observation results. Based on the results of the written analysis and discussion regarding the influence of Consumer Trust and Service Quality on Purchasing Decisions on the Shopee application, it can be concluded that Consumer Trust has a significant influence on Purchasing Decisions on the Shopee application which can be seen from the results of the t-test where Consumer Trust is 4,731 which is greater than t-estimated 2,645 and Service Quality with a t-value of 3,578 which is greater than t-estimated 2,645 and so H2 is accepted. Consumer Trust and Service Quality on Shopee Application Purchase Decisions. This can be proven by the statistical results of F-calculated of 19.008 which is greater than F-estimated of 3.12.
The Impact of Online Promotion on Increasing Product Sales of SME Daeli, Komiteriang; Bate’e, Maria Magdalena; Zalukhu, Yuterli; Mendrofa, Yupiter
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.v4i2.670

Abstract

This thesis discusses the influence of online promotion on increasing sales of SME products in Lahomi District, West Nias Regency. This study aims to determine the influence of online promotion on increasing sales of SME products in Lahomi District, West Nias Regency. This study uses a quantitative research method with a data collection technique using a questionnaire. Based on the results of the T-Test where the sign value of the X variable is known 001> 0.05 and the t-value is 6.841 <2.054 so it can be concluded that Ha is accepted and has an effect on the Sales Increase variable (Y). Based on the determination coefficienT-Test, the results obtained are that the Adjuster R-Square value is 0.589, this means that the Promotion Variable (X) is able to explain the increase in sales (Y) of 0.589 with a percentage of 58.9% after being adjusted for the sample and independent variables while the remaining 41.1% is explained by other variables outside this study.
The Effect of Price on Consumer Purchase Decisions Gea, Kurniawan; Bate’e, Maria Magdalena; Zebua, Emanuel; Telaumbanua, Aferiaman
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.
Co-Authors Bago, Intania Bate’e, Andreas Wijaya Buulolo, Nanny Artatina Bu’ulolo, Nanny A. Cardinal Pranatal Mendrofa Daeli, Dimensi Daeli, Ellen Carolina Putri Daeli, Komiteriang Duha, Tiarni F. Hulu, Perlindungan Fatolosa Hulu gea, elhan Gea, Jeliswan Berkat Iman Jaya Gea, Junianiwarni Gea, Kurniawan GEA, TOLONA Gulo, Heniwati Gulo, Sadarman Halawa, Ester Halawa, Valentina Murniwati Harefa, Azeti Harefa, Idarni Harefa, Kelly Harefa, Peringatan Harefa, Putri Amirah Hafidz Harefa, Sadari Hulu, Fatolosa Hulu, Perlindungan F. Iman Jaya Gea, Jeliswan Berkat Lafau, Edirman Lahagu, Titonik Laia, Otanius Laia, Seniarman Laoli, Meiman Syukur Larosa, Rifdani Lase, Delipiter Lase, Heseziduhu Lase, Noriwati Lawolo, Juberman Lawolo, Medarman Jaya Lombu, Yanto Meiman Hidayat Waruwu Mendrofa, Danieli Mendrofa, Franky Kristian Mendrofa, Martha Surya Dinata Mendrofa, Rahmaida Sophia Veronika Mendrofa, Soterman Fotendo Kristian Mendrofa, Yupiter Namasswar, I Gusti Ayu Ratih Ndruru, Adiria Nuryadin, M. Fais Luthfi Odaligoziduhu Halawa Serniati Zebua Sundari, Anggie Telaumbanua, Abdinius Telaumbanua, Aferiaman Telaumbanua, Calvin Andika Telaumbanua, Marlina Telaumbanua, Paskah Riwu Anugrah Waruwu, Asilika Waruwu, Darman Syukur Putra Waruwu, Nita Ingati Waruwu, Rizka Amanah Suryani Waruwu, Suka’aro Waruwu, Wince Zai, Kurniawan Sarototonafo Zai, Sambuani Zalukhu, Yuterli Zalukhu, Yuterlin Zebua, Emanuel Zebua, Feberia Zebua, Lisan Cermin Hati Zebua, Tiara Natalia Zega, Irene Zega, Putra Rahmat Zaya Zega, Yamolala