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All Journal Jurnal Review Pendidikan dan Pengajaran (JRPP) Visi Sosial Humaniora Golden Ratio of Data in Summary Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research
Hulu, Perlindungan F.
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The Effect of Financial Management on Revenue for SME Actors in Gomo District South Nias, Indonesia Hulu, Ernamawati; Hulu, Perlindungan F.; Bu’ulolo, Nanny A.; Kakisina, SophiaM.
Golden Ratio of Data in Summary Vol. 5 No. 2 (2025): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i2.676

Abstract

From the observations, most SME actors in Gomo District, South Nias Regency still have minimal basic knowledge of good financial management. This is shown by the fact that most SME actors do not yet have financial reports, such as cash books, profit, and loss reports, and balance sheets, and have not saved for the future, invested, or taken out insurance, many of them still cannot separate personal finances from business finances. With this lack of knowledge of financial management, they cannot manage their expenses properly. Observations show that many SME actors often have difficulty reporting their financial position and calculating turnover, and business profits. The purpose of this study was to determine the Effect of Financial Management on Income for SME Actors in Gomo District, South Nias Regency. The population of this study was all Micro, Small, and Medium Enterprises in Gomo District, South Nias Regency. The results of the study showed that financial management had a significant effect on income.
Pengaruh Penerapan Financial Technology Terhadap Keberlangsungan Usaha UMKM di Jalan Sirao, Kecamatan Gunungsitoli Zendrato, Afrilianti; Hulu, Perlindungan F.; Zebua, Serniati; Bate’e, Maria M.
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.v4i3.2456

Abstract

Penelitian ini bertujuan menganalisis pengaruh penerapan financial technology (fintech) terhadap keberlangsungan usaha mikro, kecil, dan menengah (UMKM) di Jalan Sirao, Kecamatan Gunungsitoli. Metode kuantitatif dengan pendekatan survei digunakan dengan melibatkan 77 responden pelaku UMKM. Hasil penelitian menunjukkan bahwa penerapan fintech berpengaruh positif dan signifikan terhadap keberlangsungan usaha UMKM. Implikasi dari temuan ini adalah pentingnya peningkatan pemanfaatan fintech bagi UMKM dan dukungan pemerintah daerah.
Analisis Realisasi Anggaran Belanja dalam Mengukur Efektivitas dan Efisiensi Penyerapan Anggaran pada Dinas Pekerjaan Umum dan Tata Ruang (PUTR) Kota Gunungsitoli Tahun Anggaran 2019–2022 Tafonao, Anuwarlin; Duha, Tiarni; Hulu, Perlindungan F.; Telaumbanua, Aferiaman
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.v4i3.2543

Abstract

Penelitian ini bertujuan menganalisis realisasi anggaran belanja, mengukur tingkat efektivitas penyerapan anggaran belanja dan mengukur tingkat efisiensi penggunaan anggaran belanja pada Dinas Pekerjaan Umum dan Tata Ruang (PUTR) Kota Gunungsitoli tahun anggaran 2019–2022. Hasil Penelitian menemukan bahwa Kinerja anggaran Dinas Pekerjaan Umum dan Tata Ruang (PUTR) Kota Gunungsitoli periode 2019–2022 mengalami dinamika yang signifikan. Tahun 2019 menunjukkan kinerja sangat rendah dengan efektivitas penyerapan hanya 46,19% (kategori "Tidak Efektif"). Namun, pada 2020–2021 terjadi perbaikan besar dengan efektivitas di atas 98% (kategori "Efektif"), sekaligus mencerminkan peningkatan kualitas perencanaan dan pelaksanaan program. Dari sisi efisiensi, capaian tertinggi terjadi pada 2021 sebesar 78,23%. Tahun 2022 terjadi penurunan Realisasi Anggaran menjadi 85,99% dan efisiensi 64,42%, meskipun masih tergolong baik. Secara keseluruhan, kinerja dinas menunjukkan perbaikan masif pasca-2019, tetapi diperlukan evaluasi berkelanjutan untuk mengantisipasi tantangan baru dalam pengelolaan anggaran.
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 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.
The Influence of Consumer Behavior on Purchasing Decisions Lase, Enifarmawati; Zebua, Emanuel; Mendrofa, Yupiter; 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.v4i2.638

Abstract

Retail trade is a very strategic trade in Indonesia because it is able to absorb labor after the agricultural sector. There are two types of retail trade, namely traditional retail which is directly represented by small traders or grocery traders in traditional markets and in housing and modern retail which is represented by supermarkets and minimarkets such as Alfamart and Indomaret. This proves that there is quite high economic growth and creates investment, but on the other hand, this can cause lethargy for traditional kiosk traders, even killing their businesses. Yuki Mart is one of the modern shops (minimarkets) in Gunungsitoli City. This research aims to find out how much influence consumer behavior has on purchasing decisions at Yuki Mart, Gunungsitoli City. This research uses quantitative methods. Respondents were 57 consumers who shopped at Yuki Mart, Gunungsitoli City in July, where researchers collected data using a questionnaire, then carried out data validity tests, data reliability tests, classical assumption tests (normality tests), coefficient of determination, and hypothesis tests (t tests). The results of the research show that the influence of consumer behavior on purchasing decisions at Yuki Mart, Gunungsitoli City, is 16.3% and the other 83.7% is influenced by other variables not included in this research.
Analisis Quality Control Dalam Menjaga Mutu Produk Caritas Gelas Pada Caritas Water Kota Gunungsitoli Zalukh, Kiki Aguswan; Hulu, Perlindungan F.; Gea, Jeliswan B.I.J; Mendrofa, Yupiter
Innovative: Journal Of Social Science Research Vol. 3 No. 4 (2023): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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

Abstract

Untuk menjamin suatu kualitas produk maka dibutuhkan yang namanya pengendalian kualitas (quality control).Permasalahan yang ditemukan di caritas water yaitu masih adanya kerusakan produk dalam proses produksi. Penelitian ini dilakukan untuk mengetahui pengendalian kualitas yang dilakukan oeh caritas water dalam menjaga mutu produk. Dalam melakukan penelitian metode penelitian yang digunakan ialah penelitian deskriptif kuantitatif. Hasil yang diperoleh antara lain pengandalian kualitas yang dilakukan oleh caritas water yaitu dengan metode statistical quality control. Melalui check sheet diperoleh jumlah produksi selama Januari-Juni 2023 sebanyak 57.529 kardus dengan jumlah kerusakan 278 kardus. Penyebab kerusakan yaitu lit cup sobek dan cup rusak. Diagram pareto menunjukan penyebab utama yaitu lit cup sobek (54,40%) dan cup rusak (45,60%). Dari peta kendali p diperoleh hasil central line (CL) yaitu 0,0048323. Upper control line (UCL) yaitu 0,0151683. Lower control line (LCL) yaitu -0,0055036. Dalam diagram tulang ikan penyebabnya ialah faktor manusia (kurang teliti, kelelahan kerja), material (lit cup sobek dari supplier dan cup rusak dari supplier), mesin (alat press bermasalah), metode (proses produksi sekaligus), lingkungan (suhu ruangan terlalu panas).
Pengaruh Literasi Keuangan Terhadap Pengelolaan Keuangan Pribadi Mahasiswa STP Dian Mandala Gunungsitoli Nias Keuskupan Sibolga Halawa, Valentina Murniwati; Bate’e, Maria Magdalena; Hulu, Perlindungan F.; Bu’ulolo, Nanny A.
Visi Sosial Humaniora Vol. 5 No. 1 (2024): Visi Sosial Humaniora: Edisi Juni 2024
Publisher : LPPM Universitas HKBP Nommensen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51622/vsh.v5i1.2306

Abstract

This research aims to find out whether financial literacy has an effect positive towards the personal financial management of STP Dian Mandala Students, to find out how much influence financial literacy has in managing students personal finances, and to find out whether financial literacy can overcome students difficulties in having high consumer behavior towards managing students personal finances. The research was conducted at the STP Dian Mandala Gunungsitoli Nias Campus, Sibolga Diocese. The research method used is a quantitative method with data collection through distributing questionnaires, documentation, and interviews, observation. The respondents in this research were 64 students respondents. The results of this research show that the influence of financial literacy has a very significant influence on students personal financial management, amounting to 71.2%. With increased financial literacy, students will increasingly be able to manage their finances wisely, carefully and regularly by applying indicators from each financial literacy variable and personal financial management variable so that students can prepare for their needs and finances in the future.
Analisis Pemanfaatan Media Sosial Instagram Sebagai Sarana Promosi Pada Toko Dubai Textile Di Kota Gunungsitoli Hulu, Sarah EvaJustin; Mendrofa, Yupiter; Gea, Nov Elhan; Hulu, Perlindungan F.
Innovative: Journal Of Social Science Research Vol. 4 No. 2 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i2.10195

Abstract

Penelitian ini bertujuan untuk 1. Untuk mengetahui pemanfaatan media sosial Instagram sebagai sarana promosi pada penjualan kain pada Toko Dubai Textile di Kota Gunungsitoli. 2. Untuk mengetahui Dampak Pemanfaatan media sosial instagram pada Toko Dubai Textile di Kota Gunungsitoli. 3. Untuk mengetahui kendala pemanfaatan media sosial Instagram pada Toko Dubai Textile di Kota Gunungsitoli. Metode yang digunakan dalam penelitian adalah metode kualitatif, Teknik pengumpulan data yang digunakan adalah dengan melakukan observasi, wawancara dan dokumentasi. Dimana responden sebanyak Tujuh orang, satu informan kunci dan enam informan pendukung. Hasil analisis yang telah dilakukan menujukkan bahwa pemanfaatan media sosial Instagram sebagai sarana promosi telah dimanfaatkan dengan baik . Konten yang di promosikan yaitu berupa jenis kain yang di sediakan pada toko dubai textile kota gunung sitoli. Fitur – fitur instagram sebagian sudah di manfaatkan oleh akun dubai textile kota gunung sitoli. Dampak yang di peroleh melalui promosi adalah mengalami peningkatan pendapatan setiap tahunnya dam membuat bertambahnya pengunjung. Kendala yang di hadapi Toko Dubai Textile di Kota Gunungsitoli adalah jaringan internet terkadang kurang stabil dan memiliki kesibukan masing masing sehingga tidak efektif dalam melakukan postingan.
Pengaruh Inklusi Keuangan Terhadap Kemiskinan Di Desa Sambulu Kecamatan Ulunoyo Kabupaten Nias Selatan Ndruru, Adiria; Bate’e, Maria Magdalena; Zai, Kurniawan Sarototonafo; Hulu, Perlindungan F.
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.10786

Abstract

Penelitian ini bertujuan untuk mengetahui Seberapa Besarkah Pengaruh Inklusi Keuangan terhadap Kemiskinan di Desa Sambulu dan Apakah ada Pengaruh Inklusi Keuangan Terhadap Kemiskinan di Desa Sambulu Kecamatan Ulunoyo. Metode penelitian yang digunakan dalam penelitian ini adalah metode kuantitatif dengan teknik pengumpulan data dilakukan dengan angket. Teknik pengumpulan sampel dilakukan dengan menggunakan random sampling yang terdiri dari 78 responden. Berdasarkan hasil penelitian peneliti dari hasil perhitungan uji validitas setiap item/butir angket sebanyak 40 soal setelah dikorelasikan ternyata valid. Sehingga penulis dapat meneruskan pengelolaan angket. Hal ini dilakukan penulis untuk mengecek hasil angket yang dikembalikan oleh responden apakah sesuai dan telah diisi sesuai dengan petunjuk. Untuk menguji reliabilitas variabel X sebesar 0.828>0.60 dan variabel Y sebesar 0.842>0.60, maka kuesioner pada variabel X dan Y dinyatakan reliabel. Hipotesis ternyata Ha diterima dan Ho ditolak dimana Ha adanya pengaruh dan Ho tidak ada pengaruhnya, sebab t hitung = 9.330 > t tabel = 1.990 sehingga dapat dinyatakan adanya korelasi Inklusi Keuangan (X) terhadap Kemiskinan (Y) pada Masyarakat Desa Sambulu Kecamatan Ulunoyo Kabupaten Nias Selatan dan Dari perhitungan koefisien determinan, maka diperoleh koefisien determinan untuk korelasi variabel X terhadap variabel Y sebesar 53,4%. Sehingga disimpulkan bahwa besarnya pengaruh variabel X (Inklusi Keuangan) terhadap Variabel Y (Kemiskinan) 53,4%.
Co-Authors Ayler Beniah Ndraha Bate’e, Maria M. Bate’e, Maria Magdalena Bu’ulolo, Nanny A. Duha, Tiarni Gea, Heppy Lianus Gea, Jeliswan B.I.J Gea, Jeliswan Berkat Iman Jaya Gea, Nov Elhan Halawa, Valentina Murniwati Hulu, Ernamawati Hulu, Sarah EvaJustin Kakisina, SophiaM. Lase, Enifarmawati Mendrofa, Yupiter Ndruru, Adiria Serniati Zebua Tafonao, Anuwarlin Telaumbanua, Aferiaman Telaumbanua, Sadar Kurnia Zai, Kurniawan Sarototonafo Zai, Sambuani Zalukh, Kiki Aguswan Zebua, Emanuel Zebua, Feberia Zendrato, Afrilianti