Article Per Year (5 Year)
p-Index From 2021 - 2026
0.61
P-Index
This Author published in this journals
All Journal Journal of Innovation Research and Knowledge Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Ekonomi Keuangan Syariah dan Akuntansi Pajak
Maria I. H. Tiwu
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
Penerapan Financial Technology (Fintech) pada UMKM Binaan Bank NTT di Sabu Raijua Yunita Novita Mamo; Fransina W. Ballo; Maria I. H. Tiwu
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 2 No. 3 (2024): Mei : 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.v2i3.508

Abstract

In today's modern era, humans have a life with all activities that can never be separated from technological developments. One of the technological developments that is currently popular in Indonesia is Financial Technology. Financial Technology (FINTECH) is the latest innovation in the financial service system which is touched by modern technology which can make it easier for Small and Medium Enterprises).to run their businesses with the help of Fintech. The aim of this research is to determine the application of Fintech to Small and Medium Enterprises assisted by Bank NTT in Sabu Raijua and to determine the advantages and disadvantages of implementing Fintech in Small and Medium Enterprises assisted by Bank NTT in Sabu Raijua. This research uses a qualitative research method, which is a research method carried out by means of in-depth interviews in the field, using a phenomenological approach. The data source in this research is primary data obtained directly from Small and Medium Enterprises actors in Sabu Raijua, while secondary data is in the form of interviews, observations and documentation. The research results show that the application of Financial Technology (Fintech) in Small and Medium Enterprises assisted by Bank NTT in Sabu Raijua is experiencing positive developments in line with technological advances and changes in user behavior, ease of access, and transaction security are getting better. However, in its implementation there are several obstacles, namely weak internet connections, elderly Small and Medium Enterprises players find it difficult to understand how to use Financial Technology.
Analisis Pusat Pertumbuhan Ekonomi Pada Tingkat Kabupaten/Kota Di Provinsi Nusa Tenggara Timur Maria Lidwina Meo; Fransina W. Ballo; Maria I. H. Tiwu
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 1 No. 3 (2024): Juli : Jurnal Ekonomi Keuangan Syariah dan Akuntansi Pajak
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v1i3.174

Abstract

This study aims to analyze the center of economic growth at the district / city level in NTT Province. The method used is statistical description with a qualitative approach. The focus of this research is to observe and find out the mainstay economic sector of each Regency / City in East Nusa Tenggara Province which can also determine the economic position of each Regency / City, using data collection techniques obtained from various sources in the form of books, journals, websites as well as the results of publications of institutions or government agencies such as the Statistical Agency (BPS) by taking data related to the problem studied, Analyzed using LQ analysis methods and klassen typology analysis. The results of the study using LQ (Location Quention) Analysis analysis show that each base sector in each Regency/ City in East Nusa Tenggara Province has 15 economic sector bases, and Based on the results of klassen typology analysis in 20 Regencies and 1 City in East Nusa Tenggara Province in 2019-2023 it was found that there are 18 districts/cities in East Nusa Tenggara Province in quadrant I (Fast forward and fast growing regions), 2 districts/cities in quadrant II (Developed But Depressed Regions), and 1 district/city in quadrant III (Fast Developing Regions).
DAMPAK KREDIT MODAL TERHADAP PENDAPATAN PEDAGANG DI PASAR TINGKAT MAUMERE Olasua, Frederik Caeszar; Maria I. H. Tiwu; Rikhard T. Ch. Bolang
Journal of Innovation Research and Knowledge Vol. 5 No. 9 (2026): Februari 2026
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menganalisis dampak kredit modal terhadap pendapatan pedagang di Pasar Tingkat Maumere. Keterbatasan modal usaha menjadi salah satu kendala utama pedagang dalam meningkatkan pendapatan, sehingga akses terhadap kredit modal diharapkan dapat menjadi solusi. Metode penelitian yang digunakan adalah metode kuantitatif dengan pendekatan asosiatif. Data diperoleh dari 73 pedagang penerima kredit modal melalui kuesioner dengan teknik purposive sampling. Analisis data dilakukan menggunakan statistik deskriptif dan regresi linear sederhana. Hasil penelitian menunjukkan bahwa kredit modal berpengaruh positif dan signifikan terhadap pendapatan pedagang di Pasar Tingkat Maumere. Namun, pemanfaatan kredit belum sepenuhnya optimal akibat keterbatasan literasi keuangan dan kemampuan pengelolaan usaha. Oleh karena itu, diperlukan pendampingan dan edukasi keuangan agar kredit modal dapat dimanfaatkan secara efektif dalam meningkatkan pendapatan pedagang.
Co-Authors Maria Lidwina Meo Olasua, Frederik Caeszar Rikhard T. Ch. Bolang Welhelmina Ballo , Fransina Yunita Novita Mamo