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All Journal Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Jurnal Ilmiah METADATA Jurnal Hasil Pengabdian Masyarakat (JURIBMAS) Golden Ratio of Data in Summary Journal of Artificial Intelligence and Digital Business Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Kajian Dan Penalaran Ilmu Manajemen Journal of Management, Economic, and Accounting Jurnal Bisnis Digital dan Enterpreneur (BISENTER) Economics and Digital Business Review
Tiarni Duha
Universitas Nias
Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Effect of Raw Materials on The Quality of Hand-Drawn Batik Vira Ariestanti Waruwu; Serniati Zebua Zebua; Marta S.D. Mendrofa; Tiarni Duha
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.v4i2.665

Abstract

This research aims to analyze factors that influence the quality of written batik products at CV. Wery Group Gunungsitoli, North Sumatera, Indonesia, North Sumatera, Indonesia. Product quality is an important element that can influence consumer satisfaction and loyalty. This research uses a quantitative approach with survey methods. Data was collectod throught a questionnaire distributed to cosumers of the CV. Wery Group Gunungsitoli, North Sumatera, Indonesia. The variables studied include raw materials, craftsmen’s skills, production techniques, and quality management. Data analysis was carried out using SPSS software with multiple linear regression tests to determine the effect of each variable on product quality. The research result show that raw materials, craftsmen’s skills, have asignificant influence on the quality or written batik products. Production techniques and quality management also have a positive influence, althougt not as much as the other two factors. The conclusion of this research is that CV. Wery Group Gunungsitoli, North Sumatera, Indonesia needs to pay attention to the selection of quality raw materials and improve the skills of craftsmen to improve the quality of written batik products. It is hoped that this research can contribute to the development of the written batik industry in Gunungsitoli and become a reference for companies in efforts to improve product quality.
ANALYSIS OF TRAINING PROGRAMS TO IMPROVE THE PERFORMANCE OF GUNUNGSITOLI CITY BPBD EMPLOYEES Roshati Dakhi; Meiman Hidayat Waruwu; Tiarni Duha; Sukaaro Waruwu
Jurnal Ilmiah METADATA Vol. 8 No. 2 (2026): Edition May 2026
Publisher : LPPM YPITI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47652/metadata.v8i2.994

Abstract

This study aims to analyze the effectiveness of training programs implemented at the Gunungsitoli City Regional Disaster Management Agency (BPBD) and identify training needs to improve employee performance. This study uses a descriptive qualitative approach with data collection techniques through in-depth interviews with six key informants, namely the Head of the Service, the Secretary of the Service, the Head of the General and Personnel Sub-Division, the Head of the Prevention and Preparedness Division, the Head of the Emergency and Logistics Division, and the Head of the Rehabilitation and Reconstruction Division. Data analysis was carried out using the Miles and Huberman model through the stages of data reduction, data presentation, and conclusion drawing, and supplemented with thematic analysis to identify patterns and main themes from the interview data. The research results show that the training program implemented by the Gunungsitoli City Regional Disaster Management Agency (BPBD) has had a positive impact on improving technical skills, response speed, mental preparedness, and employee confidence. Existing training is largely relevant to dominant disasters such as floods and landslides. However, the effectiveness of the training remains limited due to its short duration, limited facilities, disparities in training access among employees, and a lack of systematic evaluation mechanisms. Identification of training needs revealed the need for multi-hazard training, improved decision-making and inter-agency coordination skills, mental preparedness, utilization of the latest technology, and more realistic field simulations. The conclusion of this study confirms that training at the Gunungsitoli City Regional Disaster Management Agency (BPBD) has contributed to improving employee performance, but still requires strengthening aspects of needs-based planning, extending training duration, improving evaluation, and providing support for facilities and the organizational environment. The researchers recommend the need for a holistic capacity-building approach to strengthen the capacity of individuals, organizations, and the supporting environment in disaster management.
THE EFFECT OF FREE SHIPPING PROMOTION STRATEGIES AND PRODUCT AVAILABILITY ON PUBLIC PURCHASE FREQUENCY GOLAMBANUA II VILLAGE ON THE SHOPEE APPLICATION Albert Ferikusman Fatemaluo; Aferiaman Telaumbanua; Tiarni Duha; Otanius Laia
Jurnal Ilmiah METADATA Vol. 8 No. 2 (2026): Edition May 2026
Publisher : LPPM YPITI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47652/metadata.v8i2.1014

Abstract

This research is motivated by the increasing use of the Shopee application among the people of Golambanua II Village, which is thought to be influenced by the free shipping promotion strategy and product availability. The purpose of this study is to analyze the influence of these two factors on the frequency of purchases on Shopee. This study uses a quantitative approach with an associative method. The research sample consisted of 63 respondents selected through a purposive sampling technique with the criteria of having used the Shopee application in the last three months. Data were collected using a Likert scale questionnaire and analyzed through validity tests, reliability tests, classical assumption tests, and multiple linear regression with the help of SPSS version 27 software. The results showed that the free shipping promotion (β = 0.449; Sig. = 0.000) and product availability (β = 0.810; Sig. = 0.000) had a positive and significant effect on the frequency of purchases, both partially and simultaneously (F count = 238.512; Sig. = 0.000). The coefficient of determination (R²) of 0.888 indicates that 88.8% of the variation in purchase frequency can be explained by these two variables. The conclusion of this study confirms that free shipping promotions and product availability play a strategic role in increasing purchase frequency, with product availability being the dominant influence.
Edukasi QRIS untuk Meningkatkan Literasi Keuangan Digital dan Kesadaran Bertransaksi Non-Tunai Bagi Siswa SMK Negeri 3 Gunungsitoli Nanny Artatina Buulolo; Serniati Zebua; Tiarni Duha; Adelwin Trisman Gea; Aini Gempita Azis Sikumbang; Alfons Libertus Halawa; Andreas Niskantan Ododogo Laia; Candra Zendrato; Fazas Hikmah Kasih Telaumbanua; Herman Juliaris Telaumbanua; Meyria Kurnia Linnonifati Hia; Prety Telaumbanua; Simon Teguh Ozaota Zebua; Tri Bernata Gulo
JURIBMAS : Jurnal Hasil Pengabdian Masyarakat Vol 5 No 1 (2026): Juli 2026
Publisher : LKP KARYA PRIMA KURSUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62712/juribmas.v5i1.1319

Abstract

Perkembangan teknologi digital ssaat ini telah mendorong transformasi sistem pembayaran yang awalnya menggunakan uang tunai berubah menjadi transaksi non-tunai yang lebih mudah, aman, dan cepat. Salah satu inovasi yang telah dikembangkan oleh Bank Indonesia yaitu Quick Response Code (QRIS) yang menjadi standar pembayaran berbasis QR code yang dapat digunakan oleh masyarakat sebagai alat pembayaran digital. Namun, penggunaan QRIS terutama dalam kalangan remaja, khususnya siswa sekolah menengah kejuruan (SMK), masih rendah karena kurangnya edukasi dalam hal pengelolaan literasi keuangan, sehingga pemahaman mengenai manfaat, cara penggunaan, dan juga cara menjaga keamanan transaksi digital sangat minim. Kurangnya pemahaman tersebut memengaruhi pengetahuan siswa dalam penggunaan QRIS sebagai alat pembayaran digital dan juga, sebagai generasi sekarang, mereka terlambat beradaptasi dengan kemajuan teknologi. Oleh karena itu, kegiatan Pengabdian Kepada Masyarakat (PKM) yang kami lakukan di SMK Negeri 3 Gunungsitoli bertujuan untuk memberikan edukasi kepada siswa untuk meningkatkan literasi keuangan mereka dan cara penggunaan QRIS sebagai alat transaksi non-tunai. Kegiatan atau program PKM yang kami lakukan diharapkan dapat menambah wawasan SMK Negeri 3 Gunungsitoli dalam pemanfaatan teknologi, khususnya dalam penggunaan QRIS sebagai alat transaksi non-tunai, dan serta dapat membantu siswa menjadi masyarakat yang mampu beradaptasi dengan perkembangan teknologi.
The Influence Of Financial Literacy On The Financial Behavior Of Members Of The Osseda Faolala Women's Consumer Cooperative In Nias Irwan Kristian Waruwu; Idarni Harefa; Maria Magdalena Bate'e; Tiarni Duha
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1448

Abstract

The Osseda Faolala Women's Consumer Cooperative in Nias has problems in the financial behavior of its members, which is based on poor financial literacy of its members. One of the problems in the cooperative's financial behavior is in the repayment of loan credit or bad credit. Problematic loans are burdens that have not been collected or loans that are not paid, doubtful because of difficulties in payment due to certain aspects. The purpose of this study is to determine whether there is an influence and how much influence the financial literacy of the Osseda Faolala Women's Consumer Cooperative in Nias has on the financial behavior of its members. The type of research used is quantitative research. Where the population is 110 people and the sampling technique used is probability sampling with simple random using the Slovin formula, a sample of 52 people was obtained. The results of this study indicate the influence of Financial Literacy (X) on the Financial Behavior (Y) of Members of the Osseda Faolala Women's Cooperative in Nias. This is indicated by the results of the data test on the influence of the variable Financial Literacy (X) on the Financial Behavior of Members of the Osseda Faolala Female Cooperative in Nias, obtained results with a mean T-count of 2.806> T-table 2.009 and a significant value of 0.001 <0.05, meaning the hypothesis is accepted, the Financial Literacy variable (X) partially has a positive and significant influence on the Financial Behavior (Y) of Members of the Osseda Faolala Female Cooperative in Nias. Based on the research that has been conducted, it is known that Financial Literacy (X) has an influence of 0.369 or if expressed as a percentage of 36.9% on the decision of guests to choose a hotel in the city of Gunungsitoli. While the other 63.1% is influenced by other factors.
Pengaruh Current Ratio (CR) dan Debt to Equity Ratio (DER) terhadap Return on Asset (ROA) pada Perusahaan Sub Sektor Makanan dan Minuman yang Terdaftar di BEI Periode 2022 – 2025 Tiarni Duha; Qaulan Sadida Telaumbanua
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.12307

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Current Ratio (CR) dan Debt to Equity Ratio (DER) terhadap kinerja keuangan yang diproyeksikan melalui Return on Assets (ROA) pada perusahaan sub sektor makanan dan minuman yang terdaftar di Bursa Efek Indonesia (BEI) periode 2022 - 2025. Pendekatan penelitian yang digunakan adalah kuantitatif dengan metode analisis regresi linear berganda menggunakan program SPSS. Teknik pengambilan sampel dilakukan secara purposive sampling sehingga diperoleh sampel sebanyak 60 perusahaan yang memenuhi kriteria. Sebelum analisis regresi dilakukan, data telah dinyatakan lulus seluruh uji asumsi klasik yang meliputi uji normalitas, multikolinearitas, dan autokorelasi. Hasil pengujian secara parsial (uji t) menunjukkan bahwa Current Ratio (CR) berpengaruh positif dan signifikan terhadap ROA ($B = 3,231$; $Sig. = 0,001$). Demikian pula, Debt to Equity Ratio (DER) terbukti berpengaruh positif dan signifikan terhadap ROA ($B = 9,751$; $Sig. = 0,002$). Secara simultan (uji F), variabel CR dan DER secara bersama-sama berpengaruh signifikan terhadap ROA dengan nilai signifikansi 0,002. Nilai koefisien determinasi ($R^2$) menunjukkan bahwa kontribusi pengaruh variabel likuiditas dan solvabilitas dalam menjelaskan variasi ROA adalah sebesar 24,9%, sedangkan sisanya sebesar 75,1% dipengaruhi oleh variabel lain di luar model penelitian ini. Hasil ini mengindikasikan bahwa pengelolaan aset lancar yang efektif serta penarikan utang yang dialokasikan secara produktif mampu mendongkrak performa profitabilitas perusahaan secara optimal.
Pengaruh Literasi Digital dan Inklusi Keuangan terhadap Partisipasi Generasi Z di Pasar Modal Indonesia Bobi Setiaman Hulu; Tiarni Duha; Heniwati Gulo; Maria Magdalena Bate'e
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 4 No. 4 (2026): October : JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v4i4.4978

Abstract

This study aims to analyze the effect of digital literacy and financial inclusion on Generation Z’s participation in the Indonesian Capital Market. The study is motivated by the rapid development of digital technology and the increasingly broad access to financial services, which are expected to encourage young people’s involvement in investment activities in the capital market. This research employed a quantitative approach using a survey method. The population consisted of Generation Z in Indonesia, with a sample of 100 respondents selected using purposive sampling. Data were collected through questionnaires using a four-point Likert scale and analyzed using IBM SPSS Statistics 26. The data analysis techniques included validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, partial testing (t-test), simultaneous testing (F-test), and the coefficient of determination (R²). The results show that digital literacy has a positive and significant effect on Generation Z’s participation in the Indonesian Capital Market. Financial inclusion also has a positive and significant effect on Generation Z’s participation. Simultaneously, digital literacy and financial inclusion have a positive and significant effect on Generation Z’s participation in the Indonesian Capital Market. These findings support the Theory of Planned Behavior (TPB), which explains that knowledge, perceptions, and individual abilities can influence intentions and behavior. Therefore, improving digital literacy and expanding financial inclusion are important factors in encouraging Generation Z to participate as investors in the Indonesian Capital Market.
PENGARUH PENGUNGKAPAN ENVIRONMENTAL, SOCIAL, AND GOVERNANCE (ESG) TERHADAP KINERJA KEUANGAN BANK KONVENSIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2021-2025 April Pitarieli Zega; Perlindungan Faebuadodo Hulu; Heniwati Gulo; Tiarni Duha
Equilibrium : Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Vol 15, No 2 (2026): September
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/equili.v15i2.2993

Abstract

ABSTRAKIndustri perbankan memiliki peran penting dalam mendukung perekonomian, sehingga kinerja keuangan menjadi salah satu indikator utama dalam menilai keberhasilan bank. Penelitian ini bertujuan untuk menganalisis dan mengukur pengaruh pengungkapan Environmental, Social, and Governance (ESG) terhadap kinerja keuangan bank konvensional yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2021–2025. Kinerja keuangan dalam penelitian ini diproksikan melalui tiga indikator rasio profitabilitas, yaitu Return on Assets (ROA), Return on Equity (ROE), dan Net Profit Margin (NPM), sedangkan pengungkapan ESG diukur melalui skor risiko ESG yang dipublikasikan oleh Sustainalytics. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan struktur data panel seimbang sebanyak 50 observasi, yang berasal dari sepuluh bank konvensional selama lima tahun pengamatan. Hasil penelitian menunjukkan bahwa skor ESG berpengaruh positif dan signifikan terhadap ketiga proksi kinerja keuangan, yaitu ROA, ROE, dan NPM. ABSTRACTThe banking industry plays a crucial role in supporting the economy, making financial performance one of the key indicators for assessing a bank’s success. This study aims to analyze and measure the impact of Environmental, Social, and Governance (ESG) disclosures on the financial performance of conventional banks listed on the Indonesia Stock Exchange (IDX) during the 2021–2025 period. Financial performance in this study is proxied by three profitability ratios: Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM), while ESG disclosure is measured using the ESG risk score published by Sustainalytics. The study employs an explanatory quantitative approach using a balanced panel data structure comprising 50 observations, drawn from ten conventional banks over a five-year observation period. The results indicate that ESG scores have a positive and significant effect on all three financial performance proxies: ROA, ROE, and NPM.
Pengaruh Pengelolaan Dana Desa Terhadap Pembangunan Infrastruktur Di Kecamatan Somolomolo Kabupaten Nias Saberman Lawolo; Tiarni Duha; Maria Magdalena Bate'e; Heniwati Gulo
Jurnal Bisnis Digital dan Enterpreneur (BISENTER) Vol. 4 No. 2 (2026): Jurnal Bisnis Digital dan Enterpreneur
Publisher : STMIK Amika Soppeng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70247/bisenter.v4i2.366

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh pengelolaan Dana Desa terhadap pembangunan infrastruktur serta mengetahui besarnya pengaruh pengelolaan Dana Desa terhadap pembangunan infrastruktur di Desa Hilimborodano, Desa I’odano, dan Desa So’ewali Kecamatan Somolomolo. Penelitian ini menggunakan pendekatan kuantitatif. Populasi dalam penelitian ini adalah seluruh kepala desa dan perangkat desa di Desa Hilimborodano, Desa I’odano, dan Desa So’ewali yang berjumlah 35 orang, dengan teknik pengambilan sampel menggunakan sampling jenuh sehingga seluruh populasi dijadikan responden. Pengumpulan data dilakukan melalui kuesioner dan dokumentasi, sedangkan analisis data menggunakan bantuan SPSS versi 25 dengan analisis regresi linear sederhana, koefisien korelasi, koefisien determinasi (R²), dan uji t. Hasil penelitian menunjukkan bahwa pengelolaan Dana Desa berpengaruh positif dan signifikan terhadap pembangunan infrastruktur. Hal ini dibuktikan dengan nilai t hitung sebesar 7,112 lebih besar daripada t tabel sebesar 2,035 dan nilai signifikansi sebesar 0,000 lebih kecil dari 0,05, sehingga H₀ ditolak dan Hₐ diterima. Nilai koefisien korelasi (R) sebesar 0,778 menunjukkan bahwa hubungan antara pengelolaan Dana Desa dan pembangunan infrastruktur berada pada kategori kuat dan positif. Sementara itu, nilai koefisien determinasi (R Square) sebesar 0,605 menunjukkan bahwa pengelolaan Dana Desa memberikan kontribusi sebesar 60,5% terhadap pembangunan infrastruktur, sedangkan 39,5% dipengaruhi oleh faktor lain di luar penelitian. Dengan demikian, semakin baik pengelolaan Dana Desa, maka semakin baik pula pembangunan infrastruktur yang dilaksanakan di Desa Hilimborodano, Desa I’odano, dan Desa So’ewali Kecamatan Somolomolo.
Pengaruh Persaingan Harga Terhadap Penjualan Barang Mainan di Toko Selyn Toys Berlianty Telaumbanua; Maria Magdalena Bate'e; Tiarni Duha; Sophia Molinda Kakisina
Economics and Digital Business Review Vol. 7 No. 1 (2025)
Publisher : Yayasan Vifada Cendikia Indonesia

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

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh persaingan harga terhadap penjualan barang mainan di Toko Selyn Toys serta seberapa besar pengaruhnya. Metode penelitian yang digunakan adalah kuantitatif dengan penyebaran kuesioner kepada 83 responden, dan data dianalisis menggunakan IBM SPSS versi 26. Hasil penelitian menunjukkan bahwa persaingan harga berpengaruh positif dan signifikan terhadap penjualan, dibuktikan dengan persamaan regresi Y = 25,174 + 0,343X. Nilai t-hitung (6,028) > t-tabel (1,989) dengan signifikansi 0,000 < 0,05, yang berarti Ha diterima dan Ho ditolak. Nilai koefisien determinasi (R²) sebesar 0,410 menunjukkan bahwa 41% variasi penjualan dipengaruhi oleh persaingan harga, sedangkan 59% dipengaruhi oleh faktor lain. Nilai koefisien korelasi (0,556) menunjukkan hubungan positif dengan kekuatan sedang. Dengan demikian, semakin kompetitif harga yang diterapkan, semakin tinggi penjualan Toko Selyn Toys.
Co-Authors Adelwin Trisman Gea Aferiaman Telaumbanua Aini Gempita Azis Sikumbang Albert Ferikusman Fatemaluo Alfons Libertus Halawa Andreas Niskantan Ododogo Laia April Pitarieli Zega Berlianty Telaumbanua Bobi Setiaman Hulu Candra Zendrato Fazas Hikmah Kasih Telaumbanua Heniwati Gulo Herman Juliaris Telaumbanua Idarni Harefa Irwan Kristian Waruwu MARIA MAGDALENA BATE’E Marta S.D. Mendrofa Meiman Hidayat Waruwu Meyria Kurnia Linnonifati Hia Nanny Artatina Buulolo Otanius Laia Palindungan Lahagu Parman Lahagu Perlindungan Faebuadodo Hulu Prety Telaumbanua Qaulan Sadida Telaumbanua Roshati Dakhi Saberman Lawolo Serniati Zebua Serniati Zebua Zebua Simon Teguh Ozaota Zebua SOPHIA MOLINDA KAKISINA Tri Bernata Gulo Vira Ariestanti Waruwu