Article Per Year (5 Year)
p-Index From 2021 - 2026
3.418
P-Index
This Author published in this journals
All Journal Among Makarti Al Ishlah Jurnal Pendidikan Lectura : Jurnal Pendidikan ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING Edu Cendikia: Jurnal Ilmiah Kependidikan Edunomia : Jurnal Ilmiah Pendidikan Ekonomi Priviet Social Sciences Journal Jurnal Pariwisata, Bisnis Digital dan Manajemen Jurnal Pendidikan Sultan Agung Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Al-Zayn: Jurnal Ilmu Sosial & Hukum Devotion: Jurnal Pengabdian Kepada Masyarakat Jurnal kesekretarisan, manajemen bisnis, Perhotelan, Pariwisata dan logistik. ManBiz: Journal of Management and Business Jurnal Cendekia Ilmiah Diakoneo: Jurnal Pengabdian kepada Masyarakat Jurnal Manajemen Pariwisata dan Logistik (JMPL)
Retno Hernawati
Universitas Nusa Cendana
Religion Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

Published : 25 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 25 Documents
Search

 1   2   3 
The effect of member savings, total assets, and member loans on SHU in the Swastisari Kupang Cooperative Paskalis Yuvensi Anggut; Retno Hernawati; Jacob Aboladaka
Priviet Social Sciences Journal Vol. 6 No. 1 (2026): January 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v6i1.1325

Abstract

This study is motivated by fluctuations in the Operating Surplus net profit at Credit Union Loan (Kopdit Swastisari Kupang), which indicates problems in the financial performance of cooperatives. This study aims to analyze the influence of member savings, total assets, and member loans on SHU in KSP Kopdit Swastisari Kupang. The research approach is quantitative, utilizing secondary data in the form of cooperative financial statements for the 2016–2024 period. Data analysis was performed using multiple linear regression preceded by classical assumption tests, including normality, multicollinearity, heteroscedasticity, and autocorrelation. The results show that the savings of some members and total assets had no significant effect on SHU, while member loans had a negative and insignificant effect on SHU. Simultaneously, the results of the F-test show that member savings, total assets, and member loans together affect SHU, but the effect is not statistically significant. These findings suggest that the increase in SHU is not entirely determined by the amount of savings, assets, and loans but is also influenced by the effectiveness of the cooperative's financial management. Therefore, KSP Kopdit Swastisari Kupang must optimize deposit management, utilize assets productively, and strengthen credit risk management to improve operational efficiency and encourage sustainable SHU growth.
SMART ACCOUNTING: AN INNOVATIVE LEARNING MEDIA FOR THE SERVICE ACCOUNTING CYCLE TO ENHANCE STUDENTS’ SELF-DIRECTED LEARNING Hernawati, Retno
EDUNOMIA: Jurnal Ilmiah Pendidikan Ekonomi Vol. 6 No. 2 (2026): Mei
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/edunomia.v6i2.11220

Abstract

This study aims to develop and examine the effectiveness of an Android-based learning media called Smart Accounting on service accounting cycle materials in improving students’ learning independence. The study employed a research and development approach using the ADDIE model, which consists of analysis, design, development, implementation, and evaluation stages. The research subjects were students of the Economic Education Study Program at Nusa Cendana University who were enrolled in the Basic Accounting course. Data were collected through expert validation sheets, learning independence questionnaires, and student response questionnaires. Data analysis techniques included descriptive quantitative analysis, normalized gain analysis, and paired sample t-test. The results indicated that the Smart Accounting learning media was categorized as very feasible based on media and content expert validation. Furthermore, the normalized gain value was 0.56, which falls into the moderate category, and the paired sample t-test results showed a significant difference in students’ learning independence before and after using the learning media. These findings demonstrate that Smart Accounting is effective in improving students’ learning independence on service accounting cycle materials.
Pengaruh Literasi Keuangan, Gaya Hidup dan Financial Technologi (Fintech) Terhadap Pengelolaan Keuangaan Mahasiswa Fakultas Keguruan dan Ilmu Pendidikan Undana Ndolu, Bayu Falentino; Data, Ari; Hernawati, Retno
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 3 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i3.5202

Abstract

Penelitian ini dilatarbelakangi oleh rendahnya tingkat pengelolaan keuangan mahasiswa Fakultas Keguruan dan Ilmu Pendidikan (FKIP) Universitas Nusa Cendana. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, gaya hidup, dan Financial Technology (Fintech) secara parsial dan simultan terhadap pengelolaan keuangan mahasiswa. Penelitian menggunakan pendekatan kuantitatif dengan metode survei. Populasi berjumlah 8.775 mahasiswa, dengan sampel sebanyak 151 responden yang ditentukan melalui teknik incidental sampling. Teknik pengambilan data menggunakan kuesioner yang disebarkan kepada responden. Analisis data dilakukan dengan regresi linear berganda menggunakan bantuan SPSS versi 27. Hasil penelitian menunjukkan bahwa literasi keuangan dan gaya hidup berpengaruh positif dan signifikan terhadap pengelolaan keuangan, sedangkan Fintech tidak berpengaruh signifikan. Secara simultan, ketiga variabel berpengaruh signifikan terhadap pengelolaan keuangan mahasiswa. Implikasi penelitian menekankan pentingnya penguatan literasi keuangan melalui edukasi dan pelatihan guna meningkatkan kemampuan pengelolaan keuangan mahasiswa secara lebih efektif dan terencana
Pengaruh Literasi Keuangan Dan Financial Technology Terhadap Perilaku Keuangan Mahasiswa Pendidikan Ekonomi Universitas Nusa Cendana Gesang, Natalia; Markus U. K. Yewang; Retno Hernawati
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 3 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i3.5227

Abstract

Perkembangan teknologi dan modernisasi telah mempengaruhi pola pengelolaan keuangan mahasiswa. Hasil survei pengeluaran keuangan mahasiswa Pendidikan Ekonomi Universitas Nusa Cendana menunjukkan bahwa, sebagian besar mahasiswa Pendidikan Ekonomi Universitas Nusa Cendana masih memiliki pola pengeluaran yang cenderung konsumtif dan belum menunjukkan orientasi pada pengelolaan keuangan jangka panjang. Oleh karena itu, penting untuk mengkaji pengaruh literasi keuangan dan financial technology terhadap perilaku keuangan mahasiswa Pendidikan Ekonomi Universitas Nusa Cendana sebagai upaya untuk memahami faktor-faktor yang mempengaruhi pengelolaan keuangan mereka. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan financial technology terhadap perilaku keuangan mahasiswa Pendidikan ekonomi Universitas Nusa Cendana. Penelitian ini menggunakan jenis penelitian kuantitatif dengan pendekatan asosiatif kausal. Populasi penelitian ini adalah mahasiswa aktif Pendidikan Ekonomi Universitas Nusa Cendana yang berjumlah 425 orang, dan jumlah sampel yang diambil adalah 206 orang. Teknik pengambilan sampelnya menggunakan teknik purposive sampling. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis regresi linear berganda. Teknik pengambilan data dalam penelitian ini menggunakan kuesioner. Hasil penelitian menunjukkan bahwa secara parsial literasi keuangan dan financial technology berpengaruh terhadap perilaku keuangan mahasiswa Pendidikan ekonomi Universitas Nusa Cendana. Secara simultan, literasi keuangan dan financial technology berpengaruh terhadap perilaku keuangan mahasiswa Pendidikan ekonomi Universitas Nusa Cendana.
CITRA DESTINASI DAN MINAT BERKUNJUNG KEMBALI : ANALISIS MODERASI KEPUASAN WISATAWAN Retno Hernawati
Jurnal Pariwisata Bisnis Digital dan Manajemen Vol. 4 No. 2 (2025): Jurnal Pariwisata, Bisnis Digital dan Manajemen Periode November 2025
Publisher : LPPM Universitas Nusa Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33480/jasdim.v4i2.7477

Abstract

This study stems from the phenomenon of Gua Kristal’s remarkable tourism potential, yet the level of revisit intention remains relatively low. The purpose of this research is to analyze the influence of destination image on revisit intention by considering tourist satisfaction as a moderating variable. A quantitative approach was employed with the population consisting of all visitors to Gua Kristal. The sampling technique used was incidental sampling, resulting in 120 respondents. Data were collected through a questionnaire using a 5 point Likert scale, and analyzed using regression and Moderated Regression Analysis (MRA). The findings reveal that destination image has a significant effect on revisit intention, and tourist satisfaction is able to strengthen this influence. The implications highlight the importance for destination managers to maintain a positive image through cleanliness, safety, facilities, and effective promotion strategies. Moreover, tourist satisfaction must be prioritized by providing friendly services, adequate facilities, and enjoyable experiences, thereby enhancing visitors’ revisit intention.
Co-Authors Aboladaka , Jacob Adha, Emirensiana Agustin Butar-Butar Agustina Butar-Butar Al Ihzan Tajuddin Amidah Amidah, Amidah Anggut, Paskalis Yuvensi Ari Data Armiyati Calista Nes Data, Ari Ellyzabeth Siswardani Emirensiana Adha Erika Feronika Br Simanungkalit Gesang, Natalia Irene Putri Jauri Jacob Aboladaka Laurensius Reinald Diansilves Due Leonard Siahaan Manek, Alfridus Mau Maria Yuliana Panie Markus U. K. Yewang Mau Manek, Alfridus Mone, Kabul Nakut, Isabela Ririn Ndolu, Bayu Falentino Ndungga, Maria Kontesa Nenoliu, Marini Haryati Panie, Maria Yuliana Paskalis Yuvensi Anggut Purba, Selvita Putri Jauri, irene Reinald Diansilves Due, Laurensius Samrid Neonufa Samrid Neonufa, Samrid Sasea, Tirtania Selvita Eka Eviana Purba Siswardani, Ellyzabeth Tirtania Sasea Yeheskial Nggandung